Contribution strategies, Super fund performance, Top funds, Year in review, Retirement Income Covenant, Planning for retirement
Highlights of the July 2022 edition of the SuperGuide newsletter include:
- HOW TO BOOST YOUR SUPER: If your super is looking a bit anaemic, these strategies could help it recover.
- SHORT TERM-PAIN, LONG-TERM GAIN: The 2022 financial year was tough for super funds, but the long-term picture is brighter.
- TOP 10 FUNDS: Despite the turmoil on global markets, some funds kept their head above water.
- YEAR IN REVIEW / PREVIEW: Volatile markets challenged investors in 2021-22, and it’s not over yet.
- THE RETIREMENT INCOME COVENANT AND YOU: From 1 July funds must display their retirement income strategy, but you may have to search for it.
- YOUR RETIREMENT QUESTIONS ANSWERED: If you’re approaching 55, 60 or 65 and planning to retire, this is what you need to consider.
IN CASE YOU MISSED IT
Read the Super Guide for the 2022-23 financial year including the superannuation rule changes from 1 July 2022.
SUPER FUNDS
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 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.
They say a picture is worth a thousand words, so we’ve created a visual representation of super’s value in the long run. Read more.
They say a picture is worth a thousand words, so we’ve created a visual representation of super’s value in the long run. Read more.
Super funds continued their positive run in May and are on course to post a 9% return for the year to June 2026. Read more.
Super funds continued their positive run in May and are on course to post a 9% return for the year to June 2026. 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.
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.
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.
Earning a good return on your super is important, but so is avoiding wild ups and downs when markets are volatile, especially when you are nearing retirement. Read more.
Earning a good return on your super is important, but so is avoiding wild ups and downs when markets are volatile, especially when you are nearing retirement. Read more.
HOW SUPER WORKS
Retirement Income Covenant goes live, Super fund average performance drops, Deeming rates frozen, YFYS performance test to be reviewed, SMSF numbers continue to increase. Read more.
Retirement Income Covenant goes live, Super fund average performance drops, Deeming rates frozen, YFYS performance test to be reviewed, SMSF numbers continue to increase. Read more.
Get to grips with the key super rules for people under 60. Read more.
Get to grips with the key super rules for people under 60. Read more.
When you reach your 60s, the rules around making contributions and withdrawals from super start to change, so it’s important to know what’s what. Read more.
When you reach your 60s, the rules around making contributions and withdrawals from super start to change, so it’s important to know what’s what. Read more.
If you’re still adding to your retirement savings in your 70s, it’s important to know the super rules, as making contributions becomes tougher after age 75. Read more.
If you’re still adding to your retirement savings in your 70s, it’s important to know the super rules, as making contributions becomes tougher after age 75. Read more.
In this 45 minute webinar we will cover:
SuperGuide webinar: Downsizer contributions
Thursday 28 July 2022 at 11.00am (AEST)
In this exclusive webinar super expert Garth McNally will detail what you need to know to get the best outcomes with Downsizer contributions, including how the eligibility rules work, and timing, Centrelink and strategy considerations.
SUPER CONTRIBUTIONS STRATEGIES
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.
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.
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.
Couples who plan together succeed together. Learn how paying attention to your spouse’s super could maximise your opportunities. Read more.
Couples who plan together succeed together. Learn how paying attention to your spouse’s super could maximise your opportunities. Read more.
By directing some of your pre-tax income to super, you could boost your retirement savings and reduce tax. Read more.
By directing some of your pre-tax income to super, you could boost your retirement savings and reduce tax. Read more.
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know. Read more.
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know. Read more.
If you are over age 67 there is still one type of contribution that needs to pass the test. Read more.
If you are over age 67 there is still one type of contribution that needs to pass the test. Read more.
Take the following 10-question quiz to test your knowledge on boosting your super with superannuation contributions. Read more.
Take the following 10-question quiz to test your knowledge on boosting your super with superannuation contributions. Read more.
SMSFs
The new retirement income covenant effective from 1 July doesn’t apply to SMSFs, but that doesn’t mean trustees can’t learn from it. Read more.
The new retirement income covenant effective from 1 July doesn’t apply to SMSFs, but that doesn’t mean trustees can’t learn from it. Read more.
RETIREMENT PLANNING
From 1 July, super funds are required to provide a retirement income strategy to members, but you may need to search for it. Read more.
From 1 July, super funds are required to provide a retirement income strategy to members, but you may need to search for it. Read more.
If you want to retire early you will need sources of income other than super now that the super preservation age has increased to age 60. Read more.
If you want to retire early you will need sources of income other than super now that the super preservation age has increased to age 60. Read more.
Once you turn 60 it is easier to access your super provided certain conditions are met. Read more.
Once you turn 60 it is easier to access your super provided certain conditions are met. Read more.
While the Age Pension age has crept up to 67, the average age of retirement in Australia is closer to 65. Filling the income gap with super will require careful planning. Read more.
While the Age Pension age has crept up to 67, the average age of retirement in Australia is closer to 65. Filling the income gap with super will require careful planning. Read more.
The government’s reverse mortgage (previously called the Pension Loan Scheme), helps older Australians convert property equity into retirement income without selling their home. Read more.
The government’s reverse mortgage (previously called the Pension Loan Scheme), helps older Australians convert property equity into retirement income without selling their home. Read more.
