Federal Election, Super tips and strategies, Super funds of the year, DIY SMSFs, How much super do I need?
Highlights of the May 2019 edition of the SuperGuide newsletter include:
- FEDERAL ELECTION: The Coalition election win should mean much less disruption to the super and tax rules in the short-term. As we near the end of the financial year though it pays to be across what the government has pledged in the Federal Budget and during the election. In a separate article we provide a refresher on the current super rules and the changes that are legislated for 1 July 2019. Daniel Brammall also reminds us that we need to see the promised recommendations from the Royal Commission come into effect.
- EOFY TIPS AND SUPER STRATEGIES: Janine Mace provides 10 useful super housekeeping tips for the end of the financial year. Don’t leave your contributions until it’s too late! In a separate article Janine has also developed a bumper pack of super tips and strategies whatever stage of life you’re at.
- SUPER FUNDS OF THE YEAR: Last night Chant West announced their super fund of the year. Find out who won, as well as the winners picked from the other major super research houses back to 2013.
- REAL DIY SMSF: While SMSFs are intrinsically self-managed, many trustees choose to outsource much of the administration and investing. Penny Pryor explores how it’s possible to go the other way and operate a truly DIY super fund, and how much it can impact your fund’s bottom line.
- BOARD DIVERSITY = BETTER RETURNS: Recent research has found that companies that have more female representation at board level produce higher returns. Alexandra Cain investigates what this means for super investors.
- HOW MUCH SUPER DO I NEED TO RETIRE? Barbara Drury looks at what you need to consider when considering when you might retire and how much super you may need. We have also updated our series of articles (and reckoners) with the latest figures, including how much super you need to retire on $60,000, $80,000 or $100,000 a year, and what retirement income $500,000, $750,000, $1 million, $1.6 million and $2 million in super can give you.
FEDERAL ELECTION AND THE 2019 SUPER RULES
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Navigating your way around the constant rule changes in the super system is tricky, so here’s our annual list of the modifications you need to know about. Read more.
Navigating your way around the constant rule changes in the super system is tricky, so here’s our annual list of the modifications you need to know about. Read more.
When you reach your 50s, it’s time to get serious about your super, so here’s the key super rules for your age group. Read more.
When you reach your 50s, it’s time to get serious about your super, so here’s the key super rules for your age group. Read more.
SUPER TIPS AND STRATEGIES
The end of the financial year is a good time to get your super house in order. Check our tips to make the most of your opportunities. Read more.
The end of the financial year is a good time to get your super house in order. Check our tips to make the most of your opportunities. Read more.
In your 50s you’re in the final stretch before retirement, so it’s important to pay attention to your super to ensure you’re set to reach your retirement goals. Read more.
In your 50s you’re in the final stretch before retirement, so it’s important to pay attention to your super to ensure you’re set to reach your retirement goals. Read more.
FEATURES
UniSuper continued its award-winning run, winning Fund of the Year for the eighth time in a little over a decade at the recent SuperRatings awards night. Read more.
UniSuper continued its award-winning run, winning Fund of the Year for the eighth time in a little over a decade at the recent SuperRatings awards night. Read more.
More women and people of diverse backgrounds on superannuation fund boards should translate to better outcomes for members. Read more.
More women and people of diverse backgrounds on superannuation fund boards should translate to better outcomes for members. Read more.
We all want a decent return on our investments, but it’s important to understand how much risk you are prepared to tolerate along the way. Read more.
We all want a decent return on our investments, but it’s important to understand how much risk you are prepared to tolerate along the way. Read more.
Just because we may be compelled to have superannuation, is no reason to leave it to its fate. In fact, playing a role in how your super is invested is… Read more.
Just because we may be compelled to have superannuation, is no reason to leave it to its fate. In fact, playing a role in how your super is invested is… Read more.
Most Australians can choose which super fund they want their employer’s super contributions paid into, but there are exceptions. We explain who is, and is not, free to choose and… Read more.
Most Australians can choose which super fund they want their employer’s super contributions paid into, but there are exceptions. We explain who is, and is not, free to choose and… Read more.
Although defined benefit funds are disappearing in Australia, if you’re lucky enough to be a member, they can offer a valuable way to save for your retirement. Read more.
Although defined benefit funds are disappearing in Australia, if you’re lucky enough to be a member, they can offer a valuable way to save for your retirement. Read more.
SMSFs
If you’re prepared to do a lot of the grunt work yourself, running your own super fund need not be costly. Read more.
If you’re prepared to do a lot of the grunt work yourself, running your own super fund need not be costly. Read more.
Investing in international shares has never been easier, but it’s important to understand the potential impact of currency fluctuation on your investment returns and how to mitigate the risks. Read more.
Investing in international shares has never been easier, but it’s important to understand the potential impact of currency fluctuation on your investment returns and how to mitigate the risks. Read more.
Property investment is popular with SMSFs, so it’s important to know what your fund can and can’t claim as investment property tax deductions if you want to stay on the… Read more.
Property investment is popular with SMSFs, so it’s important to know what your fund can and can’t claim as investment property tax deductions if you want to stay on the… Read more.
HOW MUCH SUPER DO I NEED TO RETIRE?
It’s a common question and the short answer is that age is only one of many considerations when you are weighing up when to retire. Read more.
It’s a common question and the short answer is that age is only one of many considerations when you are weighing up when to retire. Read more.
Don’t be rattled by pundits saying you need $1 million to retire. The amount you need will depend on your personal circumstances, not a figure drawn out of a hat. Read more.
Don’t be rattled by pundits saying you need $1 million to retire. The amount you need will depend on your personal circumstances, not a figure drawn out of a hat. Read more.
See also the following articles on how much retirement income particular super balances can generate…
- Is $2 million in super enough to retire on?
- Is $1.6 million in super enough to retire on?
- Is $1 million in super enough to retire on?
- Is $750,000 in super enough to retire on?
- Is $500,000 in super enough to retire on
- Super to income Reckoner
… and how much super you need to generate a particular income in retirement.
- How much super do I need to retire on $100,000 a year?
- How much super do I need to retire on $80,000 a year?
- How much super do I need to retire on $60,000 a year?
- Income from super Reckoner
LATEST SUPER FUND RETURNS
Super funds continued their positive run in March, with the median Growth fund up 1.9% over the month. Read more.
Super funds continued their positive run in March, with the median Growth fund up 1.9% over the month. 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.