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  • SMSFsAs if superannuation wasn’t complex enough, when you have a self-managed superannuation fund (SMSF) you take on considerably more responsibility, and it’s essential therefore to have a comprehensive understanding of the current super and SMSF rules. In this section you will find detailed explanations of the SMSF rules and the responsibilities for SMSF trustees. SMSFs for beginners SMSF administration SMSF checklists SMSF compliance SMSF investment SMSF pensions SMSF strategies SMSF Q & As As a first step, the following are key articles that describe how SMSFs work.
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November 2020 newsletter

Where SMSFs invest, Super Guide for employers, Super fund award winners, Returns maintain upward momentum, Changing nature of retirement.

Highlights of the November 2020 edition of the SuperGuide newsletter include:

  • SUPER FUNDS BOUNCING BACK. Buoyant share markets helped super funds maintain their upward momentum in October, but most investment options still fall short of pre-COVID levels.
  • BEST IN SHOW. When it comes to choosing a top-notch super fund, performance counts but it isn’t everything. The annual super fund awards highlight what separates the best from the rest.
  • SMSFS SPREAD THEIR INVESTMENT NET FAR AND WIDE. SMSFs are often criticised for a lack of diversification, but the latest snapshot of their favourite shares, managed funds and ETFs paints a different picture.
  • ARE YOU A SUPER SAVVY EMPLOYER? Working out which employees get super and managing payments can be tricky and time consuming, so we’ve produced a comprehensive new super guide for employers.
  • RETIREMENT RAGS OR RICHES? Amara Haqqani from Milliman explains that working out how much super is enough is a question of personal needs and your attitude to money.
  • RETIREMENT TIMES THEY ARE A-CHANGIN’. Economic, demographic and technological shifts are changing the face of retirement, but Professor Andrew Scott says we can still be the writer of our own retirement story.

SUPER NEWS

Super news for November 2020
Interest rate cuts will hurt retirees, Ground-breaking research on future advice, Missed or unpaid super, More workers support ESG factors, 2020 Shonky Awards results. Read more.
Super news for November 2020
Interest rate cuts will hurt retirees, Ground-breaking research on future advice, Missed or unpaid super, More workers support ESG factors, 2020 Shonky Awards results. 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.
Pension fund performance to December 2025
Retirees had much to smile about in 2025, when pension fund returns grew strongly even after withdrawing minimum pension payments. Read more.
Pension fund performance to December 2025
Retirees had much to smile about in 2025, when pension fund returns grew strongly even after withdrawing minimum pension payments. Read more.
Super funds of the year awards: Best super funds for 2025–26
While returns are important, they are not the only ingredient in a top super fund, as these annual awards show. Read more.
Super funds of the year awards: Best super funds for 2025–26
While returns are important, they are not the only ingredient in a top super fund, as these annual awards show. Read more.
How our super and pension fund rankings work
Have you ever looked at your super fund’s investment returns and wondered how your fund compares with similar funds? Is it a consistently high performer or an inveterate underachiever? Read more.
How our super and pension fund rankings work
Have you ever looked at your super fund’s investment returns and wondered how your fund compares with similar funds? Is it a consistently high performer or an inveterate underachiever? Read more.

Super fund rankings

  • All Growth category (96–100%)
  • High Growth category (81–95%)
  • Growth category (61–80%)
  • Balanced category (41–60%)
  • Conservative category (21–40%)

Pension fund rankings

  • All Growth category (96–100%)
  • High Growth category (81–95%)
  • Growth category (61–80%)
  • Balanced category (41–60%)
  • Conservative category (21–40%)

SMSF INVESTING

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The following articles list the 20 most popular Australian shares, international shares, managed funds and ETFs invested in by SMSFs as of 30 June 2020. This article uses data supplied by BGL, an SMSF administration software company, and is based on a statistical analysis of more than 25% of the 200,000 SMSFs administered using BGL software.

  • Australian shares
  • International shares
  • Managed funds
  • ETFs

SUPER GUIDE FOR EMPLOYERS (PART 1)

Employer’s guide to Superannuation Guarantee contributions: Which employees are eligible?
Working out which employees are eligible for SG contributions can be tricky. Employers often think they know, but the ATO can have different ideas. Read more.
Employer’s guide to Superannuation Guarantee contributions: Which employees are eligible?
Working out which employees are eligible for SG contributions can be tricky. Employers often think they know, but the ATO can have different ideas. Read more.
Employee or contractor for super purposes? How to tell the difference
Employers generally don’t pay super for contractors, but it’s tricky to work out how they differ from employees. Here’s some rules to help you understand the difference. Read more.
Employee or contractor for super purposes? How to tell the difference
Employers generally don’t pay super for contractors, but it’s tricky to work out how they differ from employees. Here’s some rules to help you understand the difference. Read more.
Calculating your employees’ SG contributions? The rules to help get it right
Working out the right SG contributions for your employees can be confusing, but if you learn the rules there shouldn’t be any problems with the tax man. Read more.
Calculating your employees’ SG contributions? The rules to help get it right
Working out the right SG contributions for your employees can be confusing, but if you learn the rules there shouldn’t be any problems with the tax man. Read more.
How to keep good records for your employees’ super contributions
Keeping detailed records on SG contributions for your employees is essential if you want to avoid problems with the ATO and claim the available tax deductions. Read more
How to keep good records for your employees’ super contributions
Keeping detailed records on SG contributions for your employees is essential if you want to avoid problems with the ATO and claim the available tax deductions. Read more
Managing your employees’ SG contributions? Technologies you need to know
When you are paying SG contributions for your employees, there are various payment options and technologies you can select to make the task a little easier. Read more
Managing your employees’ SG contributions? Technologies you need to know
When you are paying SG contributions for your employees, there are various payment options and technologies you can select to make the task a little easier. Read more
What are the penalties for failing to meet employer super obligations?
Failing to report and pay your SG obligations can result in hefty penalties from the ATO, so ensure you meet your quarterly responsibilities. Read more.
What are the penalties for failing to meet employer super obligations?
Failing to report and pay your SG obligations can result in hefty penalties from the ATO, so ensure you meet your quarterly responsibilities. Read more.
Are you paying your super contributions on time? Deadlines for employee contributions
When you make super contributions for your employees, ensure you pay by the deadline – or risk having to pay a penalty to the ATO. Read more.
Are you paying your super contributions on time? Deadlines for employee contributions
When you make super contributions for your employees, ensure you pay by the deadline – or risk having to pay a penalty to the ATO. Read more.
Super Guarantee Charge for employers: What is it and what are my options?
Failing to make your quarterly SG contributions on time and to the right fund will leave you with a Super Guarantee Charge bill, which can be expensive. Read more.
Super Guarantee Charge for employers: What is it and what are my options?
Failing to make your quarterly SG contributions on time and to the right fund will leave you with a Super Guarantee Charge bill, which can be expensive. Read more.

Part 2 of the Super Guide for Employers (including a quiz) will be in our December 2020 newsletter


RETIREMENT PLANNING

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