APRA super heatmap, SMSF basics, Independent financial advisers, Investing in retirement, Downsizer contributions, Latest super fund performance
Highlights of the December 2019 edition of the SuperGuide newsletter include:
- SUPERANNUATION: APRA release their MySuper heatmap to a mixed reaction from the industry and consumer groups. Barbara Drury explains what the heatmap is designed to achieve and highlights some of the key findings.
- SUPER INVESTING: Beef up your investing knowledge with our guides to listed and unlisted assets, and unit pricing and crediting rates.
- SMSFs: If you have an SMSF, or are considering one, it’s essential that you know how SMSFs work and what special rules apply to them. Take a refresher on SMSF basics in our suite of articles from how to start one to how to wind one up. Noel Whittaker also highlights the key differences between SMSFs and public offer super funds.
- FINANCIAL ADVICE: ASIC release a review into the financial advice provided by super funds – and you would have hoped it would have been better than “generally appropriate”. We look at the types of financial advice on offer and give you the lowdown on what happens when you meet a financial adviser, and why independent financial advice is important. We also feature video interviews with a selection of independent advisers who talk to us about why they chose to go independent, the benefits of truly independent financial advice, and the difference it makes for their clients.
- RETIREMENT PLANNING: Investing when you’re in retirement can be confusing. Janine Mace explains the 10/30/60 rule and how to select an investment option for your super pension. We also provide a handy guide on how to make downsizer super contributions.
- LATEST SUPER NEWS AND PERFORMANCE: We wrap up the key super stories over the last few weeks, and share the latest super performance for balanced and lifecycle funds.
SUPERANNUATION
This month we look at APRA’s MySuper heatmap, the new ‘Right to remain’ test recommendation, longevity tables in need of an update, new research shows that the majority of Australian… Read more.
This month we look at APRA’s MySuper heatmap, the new ‘Right to remain’ test recommendation, longevity tables in need of an update, new research shows that the majority of Australian… Read more.
Let low taxes and a generous interest rate do the heavy lifting while you save for your first home in super. Read more.
Let low taxes and a generous interest rate do the heavy lifting while you save for your first home in super. Read more.
The financial advice sector has done a lot in recent years to improve the overall quality of advice, but when things go wrong there is a structured complaints process. Read more.
The financial advice sector has done a lot in recent years to improve the overall quality of advice, but when things go wrong there is a structured complaints process. Read more.
After taking a tumble in March on escalating conflict in the Middle East, super funds have rebounded strongly in April, recouping most of their losses. Read more.
After taking a tumble in March on escalating conflict in the Middle East, super funds have rebounded strongly in April, recouping most of their losses. Read more.
Lifecycle funds are designed to reduce risk as you near retirement without sacrificing returns; recent research shows many do just that but you need to know what to look for. Read more.
Lifecycle funds are designed to reduce risk as you near retirement without sacrificing returns; recent research shows many do just that but you need to know what to look for. Read more.
SUPER INVESTING
Ever wondered how your super fluctuates over time? Understanding unit prices and crediting rates is the key to unlocking how your fund calculates returns. Read more.
Ever wondered how your super fluctuates over time? Understanding unit prices and crediting rates is the key to unlocking how your fund calculates returns. Read more.
SMSFs
SMSFs are a popular option for people who want more control of their retirement savings, but it’s important to understand how they compare to large super funds. Read more.
SMSFs are a popular option for people who want more control of their retirement savings, but it’s important to understand how they compare to large super funds. Read more.
SMSFs are a popular choice for people who want more flexibility and control over their retirement savings, but they’re not for everyone so be sure to understand what’s involved. Read more.
SMSFs are a popular choice for people who want more flexibility and control over their retirement savings, but they’re not for everyone so be sure to understand what’s involved. Read more.
As the name suggests, the savings you accumulate in super are meant to be for one purpose only. Straying from that purpose can be costly. Read more.
As the name suggests, the savings you accumulate in super are meant to be for one purpose only. Straying from that purpose can be costly. Read more.
SMSFs offer more control than other super funds, but strict rules apply. Follow our 9-step guide to ensure your fund complies with all your legal obligations from the outset. Read more.
SMSFs offer more control than other super funds, but strict rules apply. Follow our 9-step guide to ensure your fund complies with all your legal obligations from the outset. Read more.
Individual or corporate trustee. Which structure is more appropriate for you and do you know the advantages and disadvantages of each? Read more.
Individual or corporate trustee. Which structure is more appropriate for you and do you know the advantages and disadvantages of each? Read more.
While many SMSF trustees turn to their accountant for assistance, they can only provide advice on some SMSF-related matters. To help SMSF trustees navigate this tricky area we’ve compiled a… Read more.
While many SMSF trustees turn to their accountant for assistance, they can only provide advice on some SMSF-related matters. To help SMSF trustees navigate this tricky area we’ve compiled a… Read more.
When you set up an SMSF, it’s a good idea to have an exit plan and an understanding of the winding up process. Read more.
When you set up an SMSF, it’s a good idea to have an exit plan and an understanding of the winding up process. Read more.
FINANCIAL ADVICE
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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. Read more.
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. Read more.
Before you select a financial adviser, it’s important to understand what you want to achieve and how to prepare for your first meeting. Read more.
Before you select a financial adviser, it’s important to understand what you want to achieve and how to prepare for your first meeting. Read more.
RETIREMENT PLANNING
The investment return on your super pension account is just as important as the returns you earn on your super while you are working, as this simple ‘rule of thumb’… Read more.
The investment return on your super pension account is just as important as the returns you earn on your super while you are working, as this simple ‘rule of thumb’… Read more.
Choosing your retirement investment mix carefully can help stretch your savings further at a level of risk you’re comfortable with. Read more.
Choosing your retirement investment mix carefully can help stretch your savings further at a level of risk you’re comfortable with. Read more.
Eligible downsizer contributions can be a great way to boost your super without falling foul of many of the rules affecting other super contributions. Read more.
Eligible downsizer contributions can be a great way to boost your super without falling foul of many of the rules affecting other super contributions. Read more.
