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SuperGuide

SuperGuide

Superannuation and retirement planning information

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  • How super works
    • Super for beginners
    • Super rules
    • Employers guide to super
    • Super contributions
    • Super and tax
    • Accessing super
    • Super news
    • Women and super
    • Super tips and strategies
    • How-to guides
    • Super quizzes
    • Superannuation Q&As
    • Superannuation glossary
  • Super funds
    • Best performing super funds
    • Super fund rankings
    • Best performing pension funds
    • Pension fund rankings
    • Super fund average returns
    • Super investing strategies
    • Comparing super funds
    • Choosing a super fund
    • Choosing an investment option
    • Super fund fees
    • Insurance and super
    • Super fund profiles
  • SMSFs
    • SMSFs for beginners
    • SMSF administration
    • SMSF checklists
    • SMSF compliance
    • SMSF investing
    • SMSF pensions
    • SMSF strategies
    • SMSF Q&As
  • Plan your retirement
    • Retirement planning for beginners
    • When should I retire?
    • How long will I live?
    • How much super do I need?
    • Will I get the Age Pension?
    • How much will I spend in retirement?
    • Financial advice
    • Retiring overseas
    • Preparing for retirement
    • Retirement planning strategies
    • Retirement calculators and reckoners
  • In retirement
    • Income in retirement
    • Super lump sums
    • Super pensions
    • Age Pension
    • Working in retirement
    • Life in retirement
    • Senior concessions and services
    • Aged care
    • Estate planning
    • Super death benefits

Home / New to SuperGuide?

New to SuperGuide?

Since 2009 SuperGuide has developed a comprehensive resource of independent and up-to-date information about superannuation and retirement planning.

To help you understand the breadth of our coverage, on this page you can find some of SuperGuide’s key articles.

Click on each section name to see the key articles for that section.

How super works

Super for beginners
Super for beginners: How superannuation is taxed

Super for beginners: How superannuation is taxed

December 3, 2020

How to compare super funds in 7 easy steps

How to compare super funds in 7 easy steps

October 1, 2020

Super investing for beginners

Super investing for beginners

October 1, 2020

The easy way to find and consolidate your lost super

The easy way to find and consolidate your lost super

October 1, 2020

How super works: A beginner’s guide to superannuation

How super works: A beginner’s guide to superannuation

October 1, 2020

Free financial advice: Yes, it does exist

Free financial advice: Yes, it does exist

September 15, 2020

10 points to check on your annual super fund statement

10 points to check on your annual super fund statement

September 2, 2020

How to benchmark your super fund

How to benchmark your super fund

January 4, 2020

10 hidden perks that make your super account even better

10 hidden perks that make your super account even better

January 1, 2020

10 key super fund fees: What are they and why am I paying them?

10 key super fund fees: What are they and why am I paying them?

November 20, 2019

What to teach your kids about super

What to teach your kids about super

October 3, 2019

How to read a super fund PDS

How to read a super fund PDS

August 1, 2019

Super rules
Superannuation rule changes: Your guide for 2020/21

Superannuation rule changes: Your guide for 2020/21

June 30, 2020

Key superannuation rates and thresholds for 2020/21

Key superannuation rates and thresholds for 2020/21

June 29, 2020

In your 70s? The super rules that apply to you

In your 70s? The super rules that apply to you

May 1, 2020

In your 60s? The super rules that apply to you

In your 60s? The super rules that apply to you

May 1, 2020

In your 50s? The super rules that apply to you

In your 50s? The super rules that apply to you

May 1, 2020

In your 20s, 30s or 40s? The super rules that apply to you

In your 20s, 30s or 40s? The super rules that apply to you

May 1, 2020

In your teens? The super rules that apply to you

In your teens? The super rules that apply to you

May 1, 2020

Super contributions
Your simple guide to Superannuation Guarantee (SG) contributions

Your simple guide to Superannuation Guarantee (SG) contributions

September 1, 2020

How to make super contributions after you’ve retired

How to make super contributions after you’ve retired

July 8, 2020

Contributing to your super in your late 60s: What are the rules?

Contributing to your super in your late 60s: What are the rules?

July 3, 2020

Work test: Making super contributions over 67

Work test: Making super contributions over 67

July 1, 2020

Non-concessional super contributions guide (2020/21)

Non-concessional super contributions guide (2020/21)

June 26, 2020

Concessional super contributions guide (2020/21)

Concessional super contributions guide (2020/21)

June 22, 2020

How do tax-deductible superannuation contributions work?

How do tax-deductible superannuation contributions work?

February 1, 2020

Beginner’s guide to making super contributions

Beginner’s guide to making super contributions

January 1, 2020

Super and tax
Super for beginners: How superannuation is taxed

Super for beginners: How superannuation is taxed

December 3, 2020

How the Division 293 tax works: Super surcharge for high earners

How the Division 293 tax works: Super surcharge for high earners

September 1, 2020

Your tax guide to accessing your super under age 60

Your tax guide to accessing your super under age 60

July 16, 2020

Your tax guide to accessing your super over age 60

Your tax guide to accessing your super over age 60

July 16, 2020

How do tax-deductible superannuation contributions work?

How do tax-deductible superannuation contributions work?

February 1, 2020

Proportioning rule and super tax: What it is and why it matters

Proportioning rule and super tax: What it is and why it matters

July 12, 2019

A simple guide to what tax is payable on super death benefits

A simple guide to what tax is payable on super death benefits

July 12, 2019

SMSFs and capital gains tax (CGT)

SMSFs and capital gains tax (CGT)

April 5, 2019

The definitive SMSF guide to franked dividends

The definitive SMSF guide to franked dividends

April 2, 2019

Accessing super
Accessing super: Reaching preservation age and retiring

Accessing super: Reaching preservation age and retiring

October 9, 2020

What age can I access my super (Preservation Age)?

What age can I access my super (Preservation Age)?

October 6, 2020

Accessing super: Ceasing employment after 60

Accessing super: Ceasing employment after 60

October 6, 2020

Accessing super: Reaching age 65

Accessing super: Reaching age 65

October 6, 2020

Early release of super due to COVID-19 (coronavirus)

Early release of super due to COVID-19 (coronavirus)

July 23, 2020

When can I access my super? All conditions of release explained

When can I access my super? All conditions of release explained

April 1, 2020

Guide to transition-to-retirement pensions (TTRs or TRISs)

Guide to transition-to-retirement pensions (TTRs or TRISs)

March 22, 2020

Retirement age calculator: When can you access your super or the Age Pension?

Retirement age calculator: When can you access your super or the Age Pension?

August 7, 2019

Super funds

Comparing super funds
Super funds with the lowest fees for life and TPD insurance

Super funds with the lowest fees for life and TPD insurance

January 20, 2021

How your super fund works and who’s who in your fund

How your super fund works and who’s who in your fund

January 4, 2021

Super and pension fund performance: Where does your fund rank?

Super and pension fund performance: Where does your fund rank?

November 12, 2020

How to compare super funds in 7 easy steps

How to compare super funds in 7 easy steps

October 1, 2020

List of APRA-regulated superannuation funds

List of APRA-regulated superannuation funds

April 1, 2020

What are the different types of super funds?

What are the different types of super funds?

March 9, 2020

Super and pension funds with the lowest fees

Super and pension funds with the lowest fees

February 13, 2020

How to benchmark your super fund

How to benchmark your super fund

January 4, 2020

Fund Performance: SMSFs vs APRA super funds

Fund Performance: SMSFs vs APRA super funds

May 7, 2019

What is MySuper, and which super funds are MySuper funds?

What is MySuper, and which super funds are MySuper funds?

February 24, 2019

Choosing a super fund

Choosing a fund

Choosing a default fund for your employees

Choosing a default fund for your employees

November 13, 2020

Selecting your super fund: Can I make the choice?

Selecting your super fund: Can I make the choice?

September 2, 2020

The Superannuation Standard Choice Form explained

The Superannuation Standard Choice Form explained

May 1, 2020

How to read a super fund PDS

How to read a super fund PDS

August 1, 2019

Choosing an investment option

What is a growth asset? Time to set some standards

What is a growth asset? Time to set some standards

August 3, 2020

Balanced, Growth, Defensive: What’s in a name?

Balanced, Growth, Defensive: What’s in a name?

August 3, 2020

Choosing a super investment option

Choosing a super investment option

February 15, 2020

Is it time to change your super investment option?

Is it time to change your super investment option?

January 1, 2020

How to change your investment option: 6 points to check before you switch

How to change your investment option: 6 points to check before you switch

January 1, 2020

How to choose an investment option for your super pension

How to choose an investment option for your super pension

December 11, 2019

Risk profiling and your investment choice

Risk profiling and your investment choice

May 22, 2019

Super investing strategies

Super investing strategies

Super investing for beginners

Super investing for beginners

October 1, 2020

How investing in infrastructure boosts your super account

How investing in infrastructure boosts your super account

January 14, 2020

How to change your investment option: 6 points to check before you switch

How to change your investment option: 6 points to check before you switch

January 1, 2020

What are listed and unlisted investments and why does it matter?

What are listed and unlisted investments and why does it matter?

December 16, 2019

How to grow your super: Know your risk profile

How to grow your super: Know your risk profile

December 1, 2019

Investment indexes: 5 reasons they matter for your super

Investment indexes: 5 reasons they matter for your super

October 1, 2019

Why big super funds diversify and what you can learn from it

Why big super funds diversify and what you can learn from it

September 17, 2019

Investing concepts

Time in the market not timing the market

Time in the market not timing the market

May 2, 2020

How the 10/30/60 Rule can help achieve your retirement plans

How the 10/30/60 Rule can help achieve your retirement plans

December 8, 2019

What is the Sharpe ratio and why is it important for your super?

What is the Sharpe ratio and why is it important for your super?

August 4, 2019

The magic of compounding interest

The magic of compounding interest

April 8, 2019

The Rule of 72, and how it can help you choose an investment

The Rule of 72, and how it can help you choose an investment

April 8, 2019

‘Today’s Dollars’: The impact of inflation on retirement income

‘Today’s Dollars’: The impact of inflation on retirement income

April 8, 2019

Best performing super funds
Best performing super funds: Growth category (61–80%)

Best performing super funds: Growth category (61–80%)

January 19, 2021

Super funds of the year awards: Best super funds for 2020/21

Super funds of the year awards: Best super funds for 2020/21

December 9, 2020

Top 10 Balanced super funds ranked by risk and return

Top 10 Balanced super funds ranked by risk and return

August 4, 2020

Best performing super funds: All Growth category (96–100%)

Best performing super funds: All Growth category (96–100%)

August 4, 2020

Best performing super funds: High Growth category (81–95%)

Best performing super funds: High Growth category (81–95%)

August 4, 2020

Best performing super funds: Balanced category (41–60%)

Best performing super funds: Balanced category (41–60%)

August 4, 2020

Best performing super funds: Conservative category (21–40%)

Best performing super funds: Conservative category (21–40%)

August 4, 2020

Top performing sustainable investment funds

Top performing sustainable investment funds

April 12, 2019

Super and pension fund rankings

Super fund rankings

Super fund rankings: All Growth category (96–100%)

Super fund rankings: All Growth category (96–100%)

November 11, 2020

Super fund rankings: High Growth category (81–95%)

Super fund rankings: High Growth category (81–95%)

November 11, 2020

Super fund rankings: Growth category (61–80%)

Super fund rankings: Growth category (61–80%)

November 11, 2020

Super fund rankings: Balanced category (41–60%)

Super fund rankings: Balanced category (41–60%)

November 11, 2020

Super fund rankings: Conservative category (21–40%)

Super fund rankings: Conservative category (21–40%)

November 11, 2020

Pension fund rankings

Pension fund rankings: All Growth category (96–100%)

Pension fund rankings: All Growth category (96–100%)

November 11, 2020

Pension fund rankings: High Growth category (81–95%)

Pension fund rankings: High Growth category (81–95%)

November 11, 2020

Pension fund rankings: Growth category (61–80%)

Pension fund rankings: Growth category (61–80%)

November 11, 2020

Pension fund rankings: Balanced category (41–60%)

Pension fund rankings: Balanced category (41–60%)

November 11, 2020

Pension fund rankings: Conservative category (21–40%)

Pension fund rankings: Conservative category (21–40%)

November 11, 2020

Super fund average returns
Monthly super fund performance Reckoner: Monthly returns for 5 investment categories

Monthly super fund performance Reckoner: Monthly returns for 5 investment categories

January 19, 2021

Super fund performance over 28 calendar years (to December 2020)

Super fund performance over 28 calendar years (to December 2020)

January 19, 2021

Annual super fund performance Reckoner: Annual returns for 5 investment categories

Annual super fund performance Reckoner: Annual returns for 5 investment categories

January 19, 2021

Super fund performance: Monthly returns to December 2020

Super fund performance: Monthly returns to December 2020

January 19, 2021

What are lifecycle super funds, and how do they perform?

What are lifecycle super funds, and how do they perform?

September 16, 2020

Pension fund performance to September 2020

Pension fund performance to September 2020

August 7, 2020

Superannuation funds: Does size really matter?

Superannuation funds: Does size really matter?

June 3, 2019

Fund Performance: SMSFs vs APRA super funds

Fund Performance: SMSFs vs APRA super funds

May 7, 2019

Super fund fees
Super funds with the lowest fees for life and TPD insurance

Super funds with the lowest fees for life and TPD insurance

January 20, 2021

Super funds with the lowest fees for income protection insurance

Super funds with the lowest fees for income protection insurance

January 20, 2021

What does it cost to run an SMSF?

What does it cost to run an SMSF?

December 2, 2020

Super and pension funds with the lowest fees

Super and pension funds with the lowest fees

February 13, 2020

10 key super fund fees: What are they and why am I paying them?

10 key super fund fees: What are they and why am I paying them?

November 20, 2019

Super fees and returns calculator

Super fees and returns calculator

October 2, 2019

What are average super fund fees?

What are average super fund fees?

July 8, 2019

Super fund fees: Do lower fees mean better net returns?

Super fund fees: Do lower fees mean better net returns?

January 17, 2019

Insurance and super
Super funds with the lowest fees for life and TPD insurance

Super funds with the lowest fees for life and TPD insurance

January 20, 2021

Super funds with the lowest fees for income protection insurance

Super funds with the lowest fees for income protection insurance

January 20, 2021

TPD insurance through super: A definitive guide

TPD insurance through super: A definitive guide

January 18, 2021

Income protection insurance through super: A definitive guide

Income protection insurance through super: A definitive guide

January 18, 2021

Insurance inside super: A definitive guide

Insurance inside super: A definitive guide

January 18, 2021

Life insurance through super: A definitive guide

Life insurance through super: A definitive guide

January 18, 2021

Guide to SMSFs and insurance

Guide to SMSFs and insurance

January 14, 2021

SMSFs

SMSFs for beginners
How much super do you need to set up an SMSF?

How much super do you need to set up an SMSF?

December 3, 2020

What type of people have SMSFs?

What type of people have SMSFs?

August 11, 2020

How to evaluate whether an SMSF is right for you

How to evaluate whether an SMSF is right for you

August 11, 2020

What are the key differences between SMSFs and public offer funds?

What are the key differences between SMSFs and public offer funds?

December 7, 2019

What is a self-managed super fund (SMSF)?

What is a self-managed super fund (SMSF)?

December 5, 2019

How to set up an SMSF correctly

How to set up an SMSF correctly

December 3, 2019

Quiz: SMSFs for beginners

Quiz: SMSFs for beginners

May 10, 2019

Is $1 million really the magic number to start an SMSF?

Is $1 million really the magic number to start an SMSF?

August 20, 2018

Setting up an SMSF
How to create an SMSF investment strategy (including example documents)

How to create an SMSF investment strategy (including example documents)

August 6, 2020

The SMSF trustee declaration explained

The SMSF trustee declaration explained

June 1, 2020

SMSFs: What advice can your accountant provide?

SMSFs: What advice can your accountant provide?

December 14, 2019

SMSFs: Corporate or individual trustee?

SMSFs: Corporate or individual trustee?

December 3, 2019

How to set up an SMSF correctly

How to set up an SMSF correctly

December 3, 2019

Is $1 million really the magic number to start an SMSF?

Is $1 million really the magic number to start an SMSF?

August 20, 2018

SMSF administration
Your SMSF calendar

Your SMSF calendar

January 4, 2021

What you need to know about six member SMSFs

What you need to know about six member SMSFs

December 1, 2020

SMSF trustee housekeeping checklist for 2020/21

SMSF trustee housekeeping checklist for 2020/21

June 29, 2020

Guide to the ATO SMSF supervisory levy

Guide to the ATO SMSF supervisory levy

June 1, 2020

The SMSF trustee declaration explained

The SMSF trustee declaration explained

June 1, 2020

Guide to SMSF trust deeds

Guide to SMSF trust deeds

June 1, 2020

SMSF annual admin checklist

SMSF annual admin checklist

April 22, 2020

Top 5 mistakes SMSF trustees make with their annual returns

Top 5 mistakes SMSF trustees make with their annual returns

April 22, 2020

Guide to SMSF administration, reporting and record-keeping

Guide to SMSF administration, reporting and record-keeping

January 1, 2020

SMSFs: What advice can your accountant provide?

SMSFs: What advice can your accountant provide?

December 14, 2019

How to wind up an SMSF

How to wind up an SMSF

December 4, 2019

How to record SMSF minutes

How to record SMSF minutes

November 3, 2019

Guide to SMSF audits

Guide to SMSF audits

June 14, 2019

Real DIY super: Ways that SMSFs can be ultra low-cost

Real DIY super: Ways that SMSFs can be ultra low-cost

May 2, 2019

Estate planning, super and SMSFs: Getting your house in order

Estate planning, super and SMSFs: Getting your house in order

February 11, 2019

SMSF compliance
Guide to SMSFs and insurance

Guide to SMSFs and insurance

January 14, 2021

What are the SMSF residency requirements?

What are the SMSF residency requirements?

June 1, 2020

Guide to SMSF trust deeds

Guide to SMSF trust deeds

June 1, 2020

SMSF compliance: What are trustees’ responsibilities?

SMSF compliance: What are trustees’ responsibilities?

May 1, 2020

SMSFs: What to do if you get a breach notification from the ATO

SMSFs: What to do if you get a breach notification from the ATO

April 1, 2020

What is the sole purpose test, and how does it work?

What is the sole purpose test, and how does it work?

December 1, 2019

Total Superannuation Balance: When it applies and what is included

Total Superannuation Balance: When it applies and what is included

May 7, 2019

SMSF investment rules: What every trustee should know

SMSF investment rules: What every trustee should know

February 15, 2019

SMSF investing
SMSF investment rules: Collectables and personal use assets

SMSF investment rules: Collectables and personal use assets

October 15, 2020

What are the SMSF borrowing rules?

What are the SMSF borrowing rules?

August 6, 2020

How to create an SMSF investment strategy (including example documents)

How to create an SMSF investment strategy (including example documents)

August 6, 2020

How to achieve genuine diversification in an SMSF

How to achieve genuine diversification in an SMSF

August 3, 2020

How do SMSF retirees invest?

How do SMSF retirees invest?

March 14, 2020

10 steps to buying a commercial property and leasing it to your SMSF

10 steps to buying a commercial property and leasing it to your SMSF

February 12, 2020

What on earth is an in-specie transfer?

What on earth is an in-specie transfer?

January 15, 2020

How to invest in infrastructure through an SMSF

How to invest in infrastructure through an SMSF

October 1, 2019

ETFs: How do I use them and what do they cost?

ETFs: How do I use them and what do they cost?

June 19, 2019

SMSF guide to hedging

SMSF guide to hedging

May 1, 2019

SMSFs and property: A Super Guide

SMSFs and property: A Super Guide

April 5, 2019

The definitive SMSF guide to franked dividends

The definitive SMSF guide to franked dividends

April 2, 2019

SMSF investment rules: What every trustee should know

SMSF investment rules: What every trustee should know

February 15, 2019

SMSF pensions
Commuting an SMSF allocated pension

Commuting an SMSF allocated pension

April 1, 2020

SMSFs: How to start a pension

SMSFs: How to start a pension

March 23, 2020

What SMSF trustees need to know about ECPI

What SMSF trustees need to know about ECPI

March 1, 2020

Definitive guide to the $1.6 million transfer balance cap

Definitive guide to the $1.6 million transfer balance cap

January 30, 2020

Proportioning rule and super tax: What it is and why it matters

Proportioning rule and super tax: What it is and why it matters

July 12, 2019

Starting a pension from your super

Starting a pension from your super

July 1, 2019

Total Superannuation Balance: When it applies and what is included

Total Superannuation Balance: When it applies and what is included

May 7, 2019

SMSFs: What are the lump sum withdrawal rules?

SMSFs: What are the lump sum withdrawal rules?

March 11, 2019

SMSF how-to guides
Your SMSF calendar

Your SMSF calendar

January 4, 2021

SMSF trustee housekeeping checklist for 2020/21

SMSF trustee housekeeping checklist for 2020/21

June 29, 2020

How to prepare for an SMSF auditor and fill in your SMSF tax return

How to prepare for an SMSF auditor and fill in your SMSF tax return

June 1, 2020

How to record SMSF minutes

How to record SMSF minutes

November 3, 2019

Making SMSF decisions at different life stages

Making SMSF decisions at different life stages

June 12, 2019

SMSF checklists
Your SMSF calendar

Your SMSF calendar

January 4, 2021

SMSF trustee housekeeping checklist for 2020/21

SMSF trustee housekeeping checklist for 2020/21

June 29, 2020

SMSF annual admin checklist

SMSF annual admin checklist

April 22, 2020

Starting an SMSF pension checklist

Starting an SMSF pension checklist

March 23, 2020

SMSF investment strategy health checklist

SMSF investment strategy health checklist

February 14, 2020

SMSF trustee meeting event checklist

SMSF trustee meeting event checklist

February 13, 2020

Retirement planning

Retirement planning essentials
What is the retirement age in Australia?

What is the retirement age in Australia?

January 4, 2021

Your simple guide to Superannuation Guarantee (SG) contributions

Your simple guide to Superannuation Guarantee (SG) contributions

September 1, 2020

Income from super Reckoner

Income from super Reckoner

February 18, 2020

How much super do I need to retire?

How much super do I need to retire?

February 11, 2020

How long you can expect to live, and what it means for your super

How long you can expect to live, and what it means for your super

January 14, 2020

How to benchmark your super fund

How to benchmark your super fund

January 4, 2020

How to plan for your retirement

How to plan for your retirement

January 4, 2020

When should I retire?
Retiree reflections: If I had my time over, when would I retire?

Retiree reflections: If I had my time over, when would I retire?

January 21, 2021

What age should I retire?

What age should I retire?

December 1, 2020

Retiring at 55? Your super simple guide to 12 common questions

Retiring at 55? Your super simple guide to 12 common questions

June 3, 2020

Retiring at 60? Your super simple guide to 12 common questions

Retiring at 60? Your super simple guide to 12 common questions

June 3, 2020

Retiring at 65? Your super simple guide to 12 common questions

Retiring at 65? Your super simple guide to 12 common questions

June 3, 2020

How much super do I need?
Super to income Reckoner

Super to income Reckoner

February 18, 2020

Income from super Reckoner

Income from super Reckoner

February 18, 2020

Is $500,000 in super enough to retire on?

Is $500,000 in super enough to retire on?

February 11, 2020

Is $750,000 in super enough to retire on?

Is $750,000 in super enough to retire on?

February 11, 2020

Is $1 million in super enough to retire on?

Is $1 million in super enough to retire on?

February 11, 2020

Is $1.6 million in super enough to retire on?

Is $1.6 million in super enough to retire on?

February 11, 2020

Is $2 million in super enough to retire on?

Is $2 million in super enough to retire on?

February 11, 2020

Is $3.2 million in super enough for a couple to retire on?

Is $3.2 million in super enough for a couple to retire on?

February 11, 2020

How much super do I need to retire on $40,000 a year?

How much super do I need to retire on $40,000 a year?

February 11, 2020

How much super do I need to retire on $60,000 a year?

How much super do I need to retire on $60,000 a year?

February 11, 2020

How much super do I need to retire on $80,000 a year?

How much super do I need to retire on $80,000 a year?

February 11, 2020

How much super do I need to retire on $100,000 a year?

How much super do I need to retire on $100,000 a year?

February 11, 2020

How much super do I need to retire?

How much super do I need to retire?

February 11, 2020

How accurate are ‘retirement estimates’? 7 assumptions you need to understand

How accurate are ‘retirement estimates’? 7 assumptions you need to understand

November 21, 2019

Falling behind with your super? How your super balance compares

Falling behind with your super? How your super balance compares

October 2, 2019

How to use the MoneySmart Retirement Planner

How to use the MoneySmart Retirement Planner

April 25, 2019

How long will I live?
Beyond the average: Understanding the range of life expectancy

Beyond the average: Understanding the range of life expectancy

August 19, 2020

Life expectancy and longevity

Life expectancy and longevity

March 9, 2020

How long you can expect to live, and what it means for your super

How long you can expect to live, and what it means for your super

January 14, 2020

We’re not just living for longer – we’re staying healthier for longer, too

We’re not just living for longer – we’re staying healthier for longer, too

June 12, 2019

Take the Australian Life Tables with a pinch of salt

Take the Australian Life Tables with a pinch of salt

January 16, 2019

How much will I spend in retirement?
Retirement cost of living: How much does a comfortable lifestyle cost?

Retirement cost of living: How much does a comfortable lifestyle cost?

September 7, 2020

How much can I afford to spend in retirement?

How much can I afford to spend in retirement?

March 22, 2020

Worried about outliving your retirement savings? 9 steps that might help

Worried about outliving your retirement savings? 9 steps that might help

March 3, 2020

How to plan your spending through the 3 stages of retirement

How to plan your spending through the 3 stages of retirement

August 10, 2019

Getting financial advice
Find an Australian independent financial adviser

Find an Australian independent financial adviser

December 9, 2020

Financial advice through super funds: What’s on offer?

Financial advice through super funds: What’s on offer?

September 15, 2020

Free financial advice: Yes, it does exist

Free financial advice: Yes, it does exist

September 15, 2020

Finding a good financial adviser and making financial advice work for you

Finding a good financial adviser and making financial advice work for you

June 1, 2020

How much does financial advice cost?

How much does financial advice cost?

June 1, 2020

What is the value of financial advice when it comes to your retirement?

What is the value of financial advice when it comes to your retirement?

March 14, 2020

5-step guide to the different types of financial advice on offer

5-step guide to the different types of financial advice on offer

December 14, 2019

7-point guide to what happens when you meet a financial adviser

7-point guide to what happens when you meet a financial adviser

December 13, 2019

Financial coaching: What is it and why may you need it?

Financial coaching: What is it and why may you need it?

October 3, 2019

8 warning signs that you’re with a bad financial adviser

8 warning signs that you’re with a bad financial adviser

June 5, 2019

Financial advice: What are the risks and benefits?

Financial advice: What are the risks and benefits?

March 19, 2019

Super advice: How to find a suitable financial adviser

Super advice: How to find a suitable financial adviser

March 15, 2019

Retirement planning how-to guides
Countdown to retirement: Tips to help kickstart your retirement plans

Countdown to retirement: Tips to help kickstart your retirement plans

June 1, 2020

How to plan for your retirement

How to plan for your retirement

January 4, 2020

How to plan your spending through the 3 stages of retirement

How to plan your spending through the 3 stages of retirement

August 10, 2019

How to navigate the different phases of retirement

How to navigate the different phases of retirement

August 9, 2019

How to select a retirement income calculator

How to select a retirement income calculator

August 1, 2019

Starting a pension from your super

Starting a pension from your super

July 1, 2019

How do I apply for the Age Pension?

How do I apply for the Age Pension?

July 1, 2019

How to use the MoneySmart Retirement Planner

How to use the MoneySmart Retirement Planner

April 25, 2019

Super advice: How to find a suitable financial adviser

Super advice: How to find a suitable financial adviser

March 15, 2019

Retirement planning strategies
Preparing for retirement
What to do if the market tanks and you’re retired, or close to it

What to do if the market tanks and you’re retired, or close to it

October 1, 2020

Countdown to retirement: Tips to help kickstart your retirement plans

Countdown to retirement: Tips to help kickstart your retirement plans

June 1, 2020

Guide to transition-to-retirement pensions (TTRs or TRISs)

Guide to transition-to-retirement pensions (TTRs or TRISs)

March 22, 2020

Financial advisers give tips on preparing for retirement

Financial advisers give tips on preparing for retirement

March 11, 2020

Five common financial mistakes people make just before retirement

Five common financial mistakes people make just before retirement

October 1, 2019

5 ways sequencing risk affects your retirement

5 ways sequencing risk affects your retirement

September 1, 2019

How to navigate the different phases of retirement

How to navigate the different phases of retirement

August 9, 2019

Timing counts if you plan to retire this year and start a super pension

Timing counts if you plan to retire this year and start a super pension

July 21, 2019

Retiring soon? Here are 5 questions you need to answer first

Retiring soon? Here are 5 questions you need to answer first

July 15, 2019

How do I apply for the Age Pension?

How do I apply for the Age Pension?

July 1, 2019

Adjusting to retirement: 8 factors that can help

Adjusting to retirement: 8 factors that can help

December 3, 2018

In retirement

Taking a super pension
Consider these two risks before you start a super pension

Consider these two risks before you start a super pension

April 9, 2020

What strategies can I consider to reduce tax on my super pension?

What strategies can I consider to reduce tax on my super pension?

April 1, 2020

Minimum pension payments for 2020/21 (including calculator)

Minimum pension payments for 2020/21 (including calculator)

April 1, 2020

Guide to transition-to-retirement pensions (TTRs or TRISs)

Guide to transition-to-retirement pensions (TTRs or TRISs)

March 22, 2020

Choosing a pension fund

Choosing a pension fund

February 14, 2020

Definitive guide to the $1.6 million transfer balance cap

Definitive guide to the $1.6 million transfer balance cap

January 30, 2020

Proportioning rule and super tax: What it is and why it matters

Proportioning rule and super tax: What it is and why it matters

July 12, 2019

Starting a pension from your super

Starting a pension from your super

July 1, 2019

What are annuities, and will they work for me?

What are annuities, and will they work for me?

February 1, 2019

Age Pension
Age Pension rates (March 2020 to March 2021)

Age Pension rates (March 2020 to March 2021)

September 18, 2020

Age Pension calculator: How much could you be eligible for?

Age Pension calculator: How much could you be eligible for?

September 18, 2020

Age Pension income test limits (July 2020 to March 2021)

Age Pension income test limits (July 2020 to March 2021)

September 18, 2020

Age Pension assets test limits (July 2020 to March 2021)

Age Pension assets test limits (July 2020 to March 2021)

September 18, 2020

Case studies: How is the Age Pension assessed?

Case studies: How is the Age Pension assessed?

September 17, 2020

How to maximise your Age Pension

How to maximise your Age Pension

September 17, 2020

Am I eligible for the Age Pension?

Am I eligible for the Age Pension?

September 3, 2020

Deeming rates (and calculator) for the Age Pension income test

Deeming rates (and calculator) for the Age Pension income test

July 1, 2020

How does your super affect the Age Pension?

How does your super affect the Age Pension?

March 1, 2020

What are the Age Pension residency rules?

What are the Age Pension residency rules?

March 1, 2020

Are you getting your slice of the Age Pension Work Bonus?

Are you getting your slice of the Age Pension Work Bonus?

November 13, 2019

Retirement age calculator: When can you access your super or the Age Pension?

Retirement age calculator: When can you access your super or the Age Pension?

August 7, 2019

How do I apply for the Age Pension?

How do I apply for the Age Pension?

July 1, 2019

Life in retirement
Reverse mortgages: What are they and how do they work?

Reverse mortgages: What are they and how do they work?

December 2, 2020

Age Pension rates (March 2020 to March 2021)

Age Pension rates (March 2020 to March 2021)

September 18, 2020

Age Pension calculator: How much could you be eligible for?

Age Pension calculator: How much could you be eligible for?

September 18, 2020

Case studies: How is the Age Pension assessed?

Case studies: How is the Age Pension assessed?

September 17, 2020

How to maximise your Age Pension

How to maximise your Age Pension

September 17, 2020

Am I eligible for the Age Pension?

Am I eligible for the Age Pension?

September 3, 2020

What is the Pension Loans Scheme, and how does it work?

What is the Pension Loans Scheme, and how does it work?

September 2, 2020

What government services are available for older Australians?

What government services are available for older Australians?

September 1, 2020

How to make super contributions after you’ve retired

How to make super contributions after you’ve retired

July 8, 2020

Video: Wellbeing in retirement

Video: Wellbeing in retirement

July 1, 2020

Worried about your post-virus finances? 10 tips to help stretch your retirement dollars

Worried about your post-virus finances? 10 tips to help stretch your retirement dollars

April 1, 2020

What strategies can I consider to reduce tax on my super pension?

What strategies can I consider to reduce tax on my super pension?

April 1, 2020

Minimum pension payments for 2020/21 (including calculator)

Minimum pension payments for 2020/21 (including calculator)

April 1, 2020

Is a bucket strategy the solution for your retirement income plan?

Is a bucket strategy the solution for your retirement income plan?

March 23, 2020

How does your super affect the Age Pension?

How does your super affect the Age Pension?

March 1, 2020

Introduction to aged care

Introduction to aged care

February 13, 2020

What concession cards are available for Seniors and Pensioners?

What concession cards are available for Seniors and Pensioners?

January 15, 2020

Your simple guide to state Seniors Cards: How they can save you money

Your simple guide to state Seniors Cards: How they can save you money

January 1, 2020

How to choose an investment option for your super pension

How to choose an investment option for your super pension

December 11, 2019

Commonwealth Seniors Health Card: What it is and how to apply

Commonwealth Seniors Health Card: What it is and how to apply

October 15, 2019

Income in retirement
Reverse mortgages: What are they and how do they work?

Reverse mortgages: What are they and how do they work?

December 2, 2020

How to maximise your Age Pension

How to maximise your Age Pension

September 17, 2020

What is the Pension Loans Scheme, and how does it work?

What is the Pension Loans Scheme, and how does it work?

September 2, 2020

Rules of Thumb: Do these popular retirement planning hacks measure up?

Rules of Thumb: Do these popular retirement planning hacks measure up?

May 7, 2020

How can you plan your income needs in retirement?

How can you plan your income needs in retirement?

April 1, 2020

Worried about your post-virus finances? 10 tips to help stretch your retirement dollars

Worried about your post-virus finances? 10 tips to help stretch your retirement dollars

April 1, 2020

Is a bucket strategy the solution for your retirement income plan?

Is a bucket strategy the solution for your retirement income plan?

March 23, 2020

How much super do I need to retire?

How much super do I need to retire?

February 11, 2020

How inflation affects your retirement income forecast

How inflation affects your retirement income forecast

August 10, 2019

‘Today’s Dollars’: The impact of inflation on retirement income

‘Today’s Dollars’: The impact of inflation on retirement income

April 8, 2019

Retirement income in Australia: An overview

Retirement income in Australia: An overview

February 18, 2019

Target retirement income: An explanation of the 66-80% rule of thumb

Target retirement income: An explanation of the 66-80% rule of thumb

February 8, 2019

Working in retirement
Accessing super: Reaching age 65

Accessing super: Reaching age 65

October 6, 2020

How to make super contributions after you’ve retired

How to make super contributions after you’ve retired

July 8, 2020

Work test: Making super contributions over 67

Work test: Making super contributions over 67

July 1, 2020

Starting a new business in retirement

Starting a new business in retirement

June 12, 2020

Are you getting your slice of the Age Pension Work Bonus?

Are you getting your slice of the Age Pension Work Bonus?

November 13, 2019

Can I return to work after I access my super?

Can I return to work after I access my super?

September 1, 2019

Aged care
How do I arrange a Home Care Package?

How do I arrange a Home Care Package?

June 11, 2020

Introduction to aged care

Introduction to aged care

February 13, 2020

Introducing My Aged Care

Introducing My Aged Care

November 14, 2019

How to check if your mum or dad’s nursing home is up to scratch

How to check if your mum or dad’s nursing home is up to scratch

October 1, 2019

Need care at home? We look at the costs

Need care at home? We look at the costs

August 14, 2019

Why aged care deserves to be part of your retirement plan

Why aged care deserves to be part of your retirement plan

July 15, 2019

Don’t wait for a crisis – start planning your aged care now

Don’t wait for a crisis – start planning your aged care now

April 7, 2019

Confused about aged care in the home? These 10 charts explain how it works

Confused about aged care in the home? These 10 charts explain how it works

March 21, 2019

7 steps to help you choose the right home care provider

7 steps to help you choose the right home care provider

February 27, 2017

Estate planning
Have you got an exit plan? The importance of estate planning

Have you got an exit plan? The importance of estate planning

September 4, 2019

Multi-generational SMSFs: Benefits and pitfalls

Multi-generational SMSFs: Benefits and pitfalls

September 1, 2019

Super strategies after losing your spouse: What are the rules?

Super strategies after losing your spouse: What are the rules?

September 1, 2019

Surely I don’t need a testamentary trust will (TTW)?

Surely I don’t need a testamentary trust will (TTW)?

March 18, 2019

Estate planning, super and SMSFs: Getting your house in order

Estate planning, super and SMSFs: Getting your house in order

February 11, 2019

Death benefits
Who gets your super when you die? A guide to death benefit nominations

Who gets your super when you die? A guide to death benefit nominations

July 12, 2019

A simple guide to what tax is payable on super death benefits

A simple guide to what tax is payable on super death benefits

July 12, 2019

What is an anti-detriment payment?

What is an anti-detriment payment?

April 6, 2019

Tools

Tips and strategies

Super housekeeping strategies

Life insurance through super: A definitive guide

Life insurance through super: A definitive guide

January 18, 2021

Super tips and strategies if you are in your 20s

Super tips and strategies if you are in your 20s

October 6, 2020

Super tips and strategies if you are in your 30s or 40s

Super tips and strategies if you are in your 30s or 40s

October 6, 2020

Super tips and strategies if you are in your 50s

Super tips and strategies if you are in your 50s

October 6, 2020

Super tips and strategies if you are in your 60s or 70s

Super tips and strategies if you are in your 60s or 70s

October 6, 2020

The easy way to find and consolidate your lost super

The easy way to find and consolidate your lost super

October 1, 2020

What to do if your employer doesn’t pay your super

What to do if your employer doesn’t pay your super

September 18, 2020

10 points to check on your annual super fund statement

10 points to check on your annual super fund statement

September 2, 2020

10 EOFY housekeeping tips for your super

10 EOFY housekeeping tips for your super

May 1, 2020

10 key super fund fees: What are they and why am I paying them?

10 key super fund fees: What are they and why am I paying them?

November 20, 2019

Super contributions strategies

What super contributions are best for me?

What super contributions are best for me?

July 8, 2020

What is a re-contribution strategy and how can I use it with my super?

What is a re-contribution strategy and how can I use it with my super?

July 6, 2020

A super guide to understanding the bring-forward rule

A super guide to understanding the bring-forward rule

July 1, 2020

How carry-forward (catch-up) super contributions work

How carry-forward (catch-up) super contributions work

July 1, 2020

Contribution splitting: How to boost your spouse’s super

Contribution splitting: How to boost your spouse’s super

July 1, 2020

How a government co-contribution can help boost your super savings

How a government co-contribution can help boost your super savings

June 19, 2020

Why it can be a good idea to put as much into super as possible

Why it can be a good idea to put as much into super as possible

June 1, 2020

Salary sacrifice and super: How does it work?

Salary sacrifice and super: How does it work?

January 13, 2020

Making downsizer super contributions: 10 things you need to know

Making downsizer super contributions: 10 things you need to know

December 16, 2019

Capital gains and super: Using super contributions to reduce your CGT bill

Capital gains and super: Using super contributions to reduce your CGT bill

February 2, 2019

Super investing strategies

Super investing for beginners

Super investing for beginners

October 1, 2020

How investing in infrastructure boosts your super account

How investing in infrastructure boosts your super account

January 14, 2020

How to change your investment option: 6 points to check before you switch

How to change your investment option: 6 points to check before you switch

January 1, 2020

What are listed and unlisted investments and why does it matter?

What are listed and unlisted investments and why does it matter?

December 16, 2019

How to grow your super: Know your risk profile

How to grow your super: Know your risk profile

December 1, 2019

Investment indexes: 5 reasons they matter for your super

Investment indexes: 5 reasons they matter for your super

October 1, 2019

Why big super funds diversify and what you can learn from it

Why big super funds diversify and what you can learn from it

September 17, 2019

Retirement strategies

How-to guides

How to make super contributions

How to manage your SMSF

Your SMSF calendar

Your SMSF calendar

January 4, 2021

SMSF trustee housekeeping checklist for 2020/21

SMSF trustee housekeeping checklist for 2020/21

June 29, 2020

How to prepare for an SMSF auditor and fill in your SMSF tax return

How to prepare for an SMSF auditor and fill in your SMSF tax return

June 1, 2020

How to record SMSF minutes

How to record SMSF minutes

November 3, 2019

Making SMSF decisions at different life stages

Making SMSF decisions at different life stages

June 12, 2019

How to plan your retirement

Countdown to retirement: Tips to help kickstart your retirement plans

Countdown to retirement: Tips to help kickstart your retirement plans

June 1, 2020

How to plan for your retirement

How to plan for your retirement

January 4, 2020

How to plan your spending through the 3 stages of retirement

How to plan your spending through the 3 stages of retirement

August 10, 2019

How to navigate the different phases of retirement

How to navigate the different phases of retirement

August 9, 2019

How to select a retirement income calculator

How to select a retirement income calculator

August 1, 2019

Starting a pension from your super

Starting a pension from your super

July 1, 2019

How do I apply for the Age Pension?

How do I apply for the Age Pension?

July 1, 2019

How to use the MoneySmart Retirement Planner

How to use the MoneySmart Retirement Planner

April 25, 2019

Super advice: How to find a suitable financial adviser

Super advice: How to find a suitable financial adviser

March 15, 2019

Quizzes
Quiz: Employer super responsibilities

Quiz: Employer super responsibilities

December 1, 2020

Quiz: Boosting your super with super contributions

Quiz: Boosting your super with super contributions

July 1, 2020

Quiz: Age Pension rules

Quiz: Age Pension rules

September 1, 2019

Quiz: Super for beginners

Quiz: Super for beginners

August 12, 2019

Risk profiling and your investment choice

Risk profiling and your investment choice

May 22, 2019

Quiz: SMSFs for beginners

Quiz: SMSFs for beginners

May 10, 2019

Quiz: Planning for retirement

Quiz: Planning for retirement

May 3, 2019

Calculators and reckoners
Annual super fund performance Reckoner: Annual returns for 5 investment categories

Annual super fund performance Reckoner: Annual returns for 5 investment categories

January 19, 2021

Age Pension calculator: How much could you be eligible for?

Age Pension calculator: How much could you be eligible for?

September 18, 2020

Super to income Reckoner

Super to income Reckoner

February 18, 2020

Income from super Reckoner

Income from super Reckoner

February 18, 2020

Super fees and returns calculator

Super fees and returns calculator

October 2, 2019

Retirement age calculator: When can you access your super or the Age Pension?

Retirement age calculator: When can you access your super or the Age Pension?

August 7, 2019

How reliable are retirement income calculators?

How reliable are retirement income calculators?

August 1, 2019

Special sections

Super for employers
Women and super
Retirement planning case study: Single woman, aged 52

Retirement planning case study: Single woman, aged 52

January 5, 2021

Women and super: How to beat the odds

Women and super: How to beat the odds

October 9, 2020

Video: How super policy settings work against women

Video: How super policy settings work against women

September 15, 2020

Contribution splitting: How to boost your spouse’s super

Contribution splitting: How to boost your spouse’s super

July 1, 2020

Single women and super: How 3 women beat the statistics

Single women and super: How 3 women beat the statistics

August 10, 2019

Health Check: Why do women live longer than men?

Health Check: Why do women live longer than men?

June 10, 2019

Women come out on top in the battle of the sexes for super

Women come out on top in the battle of the sexes for super

May 1, 2019

Gender inequality in retirement income

Gender inequality in retirement income

February 15, 2019

Living outside Australia
What are the SMSF residency requirements?

What are the SMSF residency requirements?

June 1, 2020

Which super funds accept transfers from KiwiSaver accounts?

Which super funds accept transfers from KiwiSaver accounts?

May 1, 2020

What are the Age Pension residency rules?

What are the Age Pension residency rules?

March 1, 2020

How to structure your super if you’re going overseas

How to structure your super if you’re going overseas

October 11, 2019

Should I retire overseas?

Should I retire overseas?

October 3, 2019

What happens to your SMSF when you go overseas?

What happens to your SMSF when you go overseas?

July 12, 2019

Can I access my super if I retire overseas?

Can I access my super if I retire overseas?

April 5, 2019

Early release of super through DASP (Departing Australia Superannuation Payment)

Early release of super through DASP (Departing Australia Superannuation Payment)

March 8, 2019

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