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January 2022 newsletter

Annual super fund returns, Funds with the lowest fees, 2021 year in review/preview, Starting an SMSF pension, State Seniors Cards, Age Pension Q&As

Highlights of the January 2022 edition of the SuperGuide newsletter include:

  • FUNDS DELIVER MANY HAPPY RETURNS: Super funds delivered double digit returns in 2021. We reveal the top 10 Growth funds over one year and 10 years.
  • SUPERHEROES AND VILLAINS: Fees can be a drag on super returns, so we reveal the funds with the lowest and highest fees.
  • 2021 YEAR IN REVIEW: Despite ongoing COVID disruptions, investors had plenty to celebrate in the year that was.
  • HOW TO START YOUR SMSF PENSION: If you’re ready to start a retirement income stream, our simple guide will show you how.
  • HAVE CARD, WILL TRAVEL: State and territory Seniors Cards come packed with travel and other concessions, so don’t miss out.
  • AGE PENSION Q&As: Some of our most asked questions from readers concern the family home and pension entitlements.

SUPER NEWS

Super news for January 2022
ASIC issues warning to SMSFs on crypto, Superannuation needs to be part of draft National Plan to End Violence against Women and Children 2022-2032, Size and frequency of voluntary super… Read more.
Super news for January 2022
ASIC issues warning to SMSFs on crypto, Superannuation needs to be part of draft National Plan to End Violence against Women and Children 2022-2032, Size and frequency of voluntary super… Read more.
Best performing super funds: Growth category (61–80%)
The difference between holding your super savings in a leading fund compared to a lemon can make a big difference to your retirement outcome, so it pays to keep an eye on which funds perform well consistently over the long term as well as the past year. Read more.
Best performing super funds: Growth category (61–80%)
The difference between holding your super savings in a leading fund compared to a lemon can make a big difference to your retirement outcome, so it pays to keep an eye on which funds perform well consistently over the long term as well as the past year. Read more.
Super fund performance: Monthly returns to April 2026
Super funds bounced back in April despite ongoing volatility and are on course for another positive financial year. Read more.
Super fund performance: Monthly returns to April 2026
Super funds bounced back in April despite ongoing volatility and are on course for another positive financial year. Read more.
Super fund performance: Annual returns to December 2025
Super funds hit the trifecta in 2025, with strongly positive returns for the third year running, despite rising geopolitical tensions and volatile investment markets. Read more.
Super fund performance: Annual returns to December 2025
Super funds hit the trifecta in 2025, with strongly positive returns for the third year running, despite rising geopolitical tensions and volatile investment markets. Read more.
Super fund performance reckoners: Annual returns for 5 investment categories
In these reckoners you can view the median super fund returns for 1, 3, 5, 7, 10 and 15 years across five different investment options for the last 10 calendar… Read more.
Super fund performance reckoners: Annual returns for 5 investment categories
In these reckoners you can view the median super fund returns for 1, 3, 5, 7, 10 and 15 years across five different investment options for the last 10 calendar… Read more.

SUPER FUNDS

Super funds with the lowest fees
Discover the cheapest super funds overall, funds with the lowest fees for each investment category, as well the most expensive super funds. Read more.
Super funds with the lowest fees
Discover the cheapest super funds overall, funds with the lowest fees for each investment category, as well the most expensive super funds. Read more.
What are average super fund fees?
An easy way to determine if you believe your super fund is good value, is to assess the cost of your super fund against the average costs for the different… Read more.
What are average super fund fees?
An easy way to determine if you believe your super fund is good value, is to assess the cost of your super fund against the average costs for the different… Read more.
How super fund fees impact your net returns
Super fund returns may grab the limelight, but even small differences in fees can make a big difference to your retirement balance in the long run. Read more.
How super fund fees impact your net returns
Super fund returns may grab the limelight, but even small differences in fees can make a big difference to your retirement balance in the long run. Read more.
What are the different types of super funds?
Choosing an excellent super fund can make a big difference to your retirement outcomes. The first step is an understanding of the five broad categories of funds on offer. Read more.
What are the different types of super funds?
Choosing an excellent super fund can make a big difference to your retirement outcomes. The first step is an understanding of the five broad categories of funds on offer. Read more.
Which are Australia’s largest super funds?
Bigger is not always better but it can help super funds in a fiercely competitive market for members and performance. Read more.
Which are Australia’s largest super funds?
Bigger is not always better but it can help super funds in a fiercely competitive market for members and performance. Read more.
MySuper funds: What they are and who offers them
Default MySuper funds have been undergoing a makeover in recent years, with performance under the microscope and fees falling. Read more.
MySuper funds: What they are and who offers them
Default MySuper funds have been undergoing a makeover in recent years, with performance under the microscope and fees falling. Read more.

SMSFs

5 new year’s resolutions for your SMSF
The summer break is always a good time for trustees to review their SMSF and resolve to make it fit for whatever 2026 may bring. Read more.
5 new year’s resolutions for your SMSF
The summer break is always a good time for trustees to review their SMSF and resolve to make it fit for whatever 2026 may bring. Read more.
How to start a pension in your SMSF
There are decisions to make and steps to take before a fund member can start withdrawing retirement income from their super. Here’s what trustees need to know. Read more.
How to start a pension in your SMSF
There are decisions to make and steps to take before a fund member can start withdrawing retirement income from their super. Here’s what trustees need to know. Read more.
Commuting an SMSF account-based pension
If you want to commute (roll back) some or part of a super pension, or combine multiple pensions, you need to follow strict rules. Read more.
Commuting an SMSF account-based pension
If you want to commute (roll back) some or part of a super pension, or combine multiple pensions, you need to follow strict rules. Read more.
How to add a new member to your SMSF
Now that SMSFs can have six members instead of four, here’s a refresher on the process involved in adding new members and some of the issues to weigh up. Read more.
How to add a new member to your SMSF
Now that SMSFs can have six members instead of four, here’s a refresher on the process involved in adding new members and some of the issues to weigh up. Read more.

RETIREMENT PLANNING

How to plan for your retirement
It can be difficult knowing where to start when you are ready to think seriously about retirement, but working through these easy steps will help. Read more.
How to plan for your retirement
It can be difficult knowing where to start when you are ready to think seriously about retirement, but working through these easy steps will help. Read more.
Retiring soon? Here are 6 questions you need to answer first
From planning your retirement income to where you will live and how you will spend your time, there’s a lot to think about in the run-up to retirement. Read more.
Retiring soon? Here are 6 questions you need to answer first
From planning your retirement income to where you will live and how you will spend your time, there’s a lot to think about in the run-up to retirement. Read more.

IN RETIREMENT

See also our guides to seniors cards for each state and territory:

  • ACT
  • NT
  • NSW
  • QLD
  • SA
  • TAS
  • VIC
  • WA

What happens to my Age Pension if I sell my home?
Now updated with part 2 (if you are moving to a lifestyle village) and part 3 (if you are not purchasing a new home straight away). Read more.
What happens to my Age Pension if I sell my home?
Now updated with part 2 (if you are moving to a lifestyle village) and part 3 (if you are not purchasing a new home straight away). Read more.
3 very different types of ‘retirement’
Today’s 60- and 70-somethings are reinventing retirement, easing into it with a focus on finding meaning and purpose in flexible part-time work, volunteering and new activities. Read more.
3 very different types of ‘retirement’
Today’s 60- and 70-somethings are reinventing retirement, easing into it with a focus on finding meaning and purpose in flexible part-time work, volunteering and new activities. Read more.


SuperGuide is Australia’s leading superannuation and retirement planning website.

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