Choosing a super fund: Does size really matter?
Being with a big super fund can have advantages, but that doesn’t mean you should switch if your fund isn’t one of the giants increasingly dominating the industry.
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Janine has over 25 years’ experience writing about superannuation, including a decade as Managing Editor of the ASFA’s highly respected industry magazine, SuperFunds. She has worked with a range of super funds and leading institutional investment managers.
Her work has appeared in the Australian Financial Review personal finance section and she has been a regular contributor to Money Management and Financial Planning magazines.
Being with a big super fund can have advantages, but that doesn’t mean you should switch if your fund isn’t one of the giants increasingly dominating the industry.
Fund estimates and online calculators can provide value insights for planning your retirement, but you need to understand the assumptions used to create them.
When it comes to planning your retirement, good financial advice can provide valuable benefits – both for your finances and your emotional wellbeing.
Eligible downsizer contributions can be a great way to boost your super without falling foul of many of the rules affecting other super contributions.
Selecting the right investment option for your super pension has a big impact on how much money you can spend during your retirement years.
For many years the super system treated same-sex and de facto couples differently, but recent changes to the law have removed the final barriers to equality.
Everyone loves a bargain, but many older people in the ACT forget to grab one of the best deals on offer – the ACT Seniors Card.
Everyone loves a bargain, but once they turn 60 many people in the Northern Territory forget to grab one of the best deals on offer – their NT Seniors Card.
Everyone loves a bargain, but once they turn 60 many people in NSW forget to grab one of the best deals on offer – their NSW Seniors Card or Seniors Savers Card.
Everyone loves a bargain, but once they turn 60 many Queenslanders forget to grab one of the best deals on offer – their QLD Seniors Card, Seniors Card+go or Seniors Business Discount Card.
Everyone loves a bargain, but once they turn 60 many people in South Australia forget to grab one of the best deals on offer – their SA Seniors Card.
Everyone loves a bargain, but once they turn 60 many Tasmanians forget to grab one of the best deals on offer – their Tasmania Seniors Card.
Everyone loves a bargain, but once they turn 60 many Victorians forget to grab one of the best deals on offer – their Victoria Seniors Card.
Everyone loves a bargain, but many older West Australians forget to grab one of the best deals on offer – their WA Seniors Card.
Although the rules on making super contributions in your 60s and 70s have been relaxed, it can still be a bit confusing to know who is eligible and who’s not.
In your 60s and 70s, super is still very important and there are some significant decisions to make, so here’s some tips on what to keep an eye on.
Once you’re retired, making super contributions gets trickier. But it’s not impossible, so it’s worth learning which contributions remain available to you.
Before withdrawing your super, it’s important to understand the proportioning rule and how it will impact the amount of tax you will pay on your super savings.
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