Super and contributions strategies, SMSFs and ETFs, Quiz time, Latest returns
Welcome to the NOVEMBER 2018 edition of the SuperGuide newsletter. Highlights include:
- SUPER STRATEGIES: Many super laws, rates and thresholds changing depending on your age. It pays to be on top of these and plan appropriate strategies around them.
- CONTRIBUTIONS STRATEGIES: We take an in-depth look at salary sacrificing and the bring-forward rule, as well as lesser known strategies such as tax-deductible contributions and reducing capital gains.
- ETFs: These are increasing in popularity with SMSF investors, particularly because they are a low-cost way to diversify. Robert Barnes reports on the 20 ETFs that are most popular with SMSFs.
- QUIZ TIME: Test your knowledge with our two quizzes on planning for retirement and boosting your super. Each quiz is 10 questions (multiple choice) and we point you to SuperGuide articles where you can get the answer.
- INVESTMENT RETURNS: October was a difficult month for investors, and the median growth fund lost 3% in value. Find out how super funds are tracking so far this financial year.
FEATURES
Gen X and Millennials are fuelling the rapid take-up of ETFs by SMSF investors, drawn to their instant diversification, global reach, accessability and low cost. Read more.
Gen X and Millennials are fuelling the rapid take-up of ETFs by SMSF investors, drawn to their instant diversification, global reach, accessability and low cost. Read more.
A free co-contribution payment made by the government into your super account can be a great way to boost your super account if you have some money to spare. Read more.
A free co-contribution payment made by the government into your super account can be a great way to boost your super account if you have some money to spare. Read more.
As retirement nears, setting your super on the right path is more important than ever. Read more.
As retirement nears, setting your super on the right path is more important than ever. Read more.
AGED-BASED SUPER GUIDES
Even though the work test has been abolished for most super contributions, if you are over age 67 there is still one type of contribution that needs to pass the… Read more.
Even though the work test has been abolished for most super contributions, if you are over age 67 there is still one type of contribution that needs to pass the… Read more.
SUPER QUIZZES
Take the following 10-question quiz to test your knowledge on how to plan for your retirement. Read more.
Take the following 10-question quiz to test your knowledge on how to plan for your retirement. 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.
CONTRIBUTIONS STRATEGIES
It’s possible to reduce or even eliminate the amount of tax your fund pays on asset sales with these simple strategies. Read more.
It’s possible to reduce or even eliminate the amount of tax your fund pays on asset sales with these simple strategies. 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 about the rules. 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 about the rules. Read more.
Making a tax-deductible super contribution can be a great way to boost your retirement savings. Find out whether they could be the right strategy for you. Read more.
Making a tax-deductible super contribution can be a great way to boost your retirement savings. Find out whether they could be the right strategy for you. Read more.
By directing some of your pre-tax income to super, you not only boost your retirement savings but save tax at the same time. Read more.
By directing some of your pre-tax income to super, you not only boost your retirement savings but save tax at the same time. Read more.
SUPERANNUATION
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.
Brush up on the super lexicon with our extensive glossary. 15% pension offset: A 15% tax offset available against assessable pension income if you use super money to purchase a… Read more.
Brush up on the super lexicon with our extensive glossary. 15% pension offset: A 15% tax offset available against assessable pension income if you use super money to purchase a… 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.
When you have an issue with your super fund or its insurer, it’s important to know who to turn to and how to go about it. Read more.
When you have an issue with your super fund or its insurer, it’s important to know who to turn to and how to go about it. Read more.
Super is an increasingly important marital asset and one that should not be overlooked when couples divorce. Read more.
Super is an increasingly important marital asset and one that should not be overlooked when couples divorce. Read more.
Once you turn 60 and start withdrawing your super, the tax advantages of the super system come into play. Read more.
Once you turn 60 and start withdrawing your super, the tax advantages of the super system come into play. Read more.
INVESTMENT PERFORMANCE
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.
