Articles by
Janine Mace
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Workforce age discrimination and what it means for your super
When it comes to paid employment, age discrimination can seriously affect your retirement plans, so what if you find yourself facing an unplanned retirement?
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Winding up an estate: 11 steps to help get the job done
As you get older, you’re likely to find yourself undertaking the painful task of winding up an estate for a spouse or family member, so it pays to know the key responsibilities of an executor.
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What different types of financial advice should I consider?
Good advice can make a big difference to both your financial position and retirement plans, but it can be confusing to know what’s available and who to ask.
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Retirement cost of living: 10 tips to boost your finances
The cost-of-living crisis has left many retirees worried about their financial position, so now could be a good time to check if your retirement budget needs a tune-up.
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Running multiple SMSFs: What are the pros and cons?
Deciding to run two or more SMSFs has both pros and cons, so you need to weigh them carefully and ensure it’s the right strategy for your personal situation.
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How investing in infrastructure adds to your super returns
If you’re a member of a big super fund, chances are you’re a part-owner in an airport, a pipeline, or a major shipping port. Learn why super funds have embraced infrastructure and what’s in it for you.
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Worried about outliving your retirement savings? 9 steps that can help
Worrying about whether your retirement savings will be enough is normal, but there are some easy steps you can take to ensure you’re as prepared as you can be for retirement.
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How inflation affects your retirement income
Worrying about your household budget is something we all do at times, but retirees can’t easily replenish their savings, so rising prices and inflation can represent a big challenge.
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SMSFs and estate planning: What it is and why it matters
Along with a valid Will, your SMSF is an essential part of your estate plan. From your personal wishes to tax and legal matters, there’s a lot to consider.
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What is a testamentary trust and does my Will need one?
Establishing a testamentary trust can have valuable estate planning benefits. With significant amounts due to be transferred via inheritances in the coming decades, it may be worth considering one.
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Insurance in super: What to know and how to manage your cover
If you have insurance inside super but you’re not sure how it works, it’s easy to take control once you learn the basics and how to assess your needs.
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Reverse mortgages: What are they and how do they work?
If you’re finding it difficult to make ends meet in retirement, one solution to free up some extra cash could be to take out a reverse mortgage.
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Small APRA funds: What are they and why would I need one?
Small APRA funds are often overlooked, but they offer valuable benefits if you want more control of your super investments without the trustee responsibilities.
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Tips to help your super last longer
Once you’ve retired it’s normal to worry about whether your retirement savings will be enough, but with a few simple strategies you can stretch your nest-egg a little further.
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Diversification and your SMSF: Why and how to do it
Diversifying your portfolio is a key task when it comes to investing and it’s a vital one for your SMSF as it can reduce risk and smooth investment returns.
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How redundancy and retirement impact your employees’ super
Working out termination and super payments for a departing employee can be confusing, but be careful not to provide them with financial advice.
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How do reportable employer super contributions (RESC) work?
As if employers don’t have enough to do, they also need to notify the ATO of any reportable employer super contributions they make for their employees.
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Are you paying your super contributions on time? Deadlines for employee contributions
When you make super contributions for your employees, ensure you pay by the deadline – or risk having to pay a penalty to the ATO.