Super perks, Tax offsets, Best and worst funds, SMSF wind-up costs, share transfer to your SMSF, Adjusting to retirement.
Highlights of the October 2021 edition of the SuperGuide newsletter include:
- PERK UP YOUR RETIREMENT: From tax savings and cheaper insurance to estate planning, there are more benefits to super than you might think.
- SAPTO, LMITO, LITO: Never mind the acronyms, check out the tax savings for eligible seniors and lower income earners.
- HOW DID YOUR FUND PERFORM? A new survey sorts the super fit cats from the fat cats and shares tips on how to spot them.
- YOU’RE WINDING ME UP: All good things come to an end, even your SMSF. Here’s what costs to expect when you wind up your fund.
- MAKING AN IN SPECIE TRANSFER: We walk you through the process of transferring shares into your SMSF.
- RETIREMENT SURPRISE PACKAGE: Our retiree panel reflect on life after work, and the things that surprised them most.
SUPER NEWS
Draft retirement income covenant released, TWUSUPER calls off EISS merger, Superannuation industry at risk of losing billions due to climate change, SMSFs must use SuperStream for rollovers, Financial services coalition… Read more.
Draft retirement income covenant released, TWUSUPER calls off EISS merger, Superannuation industry at risk of losing billions due to climate change, SMSFs must use SuperStream for rollovers, Financial services coalition… Read more.
SUPER FUNDS
We’ve done the digging to help you make the most of what your super fund has to offer. Read more.
We’ve done the digging to help you make the most of what your super fund has to offer. Read more.
Small APRA funds are often overlooked, but they offer valuable benefits if you want more control of your super investments without the trustee responsibilities. Read more.
Small APRA funds are often overlooked, but they offer valuable benefits if you want more control of your super investments without the trustee responsibilities. Read more.
If you are wondering why you have so little super to show for all your hard work, it may be time to search for super accounts you forgot you had. Read more.
If you are wondering why you have so little super to show for all your hard work, it may be time to search for super accounts you forgot you had. Read more.
Super funds capped off the financial year with a fourth consecutive year of returns above 9%, defying tensions in the Middle East and lingering inflation worries. Read more.
Super funds capped off the financial year with a fourth consecutive year of returns above 9%, defying tensions in the Middle East and lingering inflation worries. Read more.
INCOME TAX
Eligible pensioners could be in for a small but welcome financial sweetener come tax time, thanks to this little known tax offset. Read more.
Eligible pensioners could be in for a small but welcome financial sweetener come tax time, thanks to this little known tax offset. Read more.
Low-income earners may be eligible to reduce their tax bill by as much as $700, without lifting a finger. Check our guide to who’s eligible and for how much. Read more.
Low-income earners may be eligible to reduce their tax bill by as much as $700, without lifting a finger. Check our guide to who’s eligible and for how much. Read more.
See every Australian income tax bracket and rate for 2026-27. Clear tables, plain-English explanation, and previous years for comparison. Read more.
See every Australian income tax bracket and rate for 2026-27. Clear tables, plain-English explanation, and previous years for comparison. Read more.
SMSFs
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If you’ve ever wondered if you can transfer shares or a business property into your SMSF, the answer is yes but strict rules apply. Read more.
If you’ve ever wondered if you can transfer shares or a business property into your SMSF, the answer is yes but strict rules apply. Read more.
There can be substantial tax benefits in transferring shares into your SMSF, especially once you retire, but strict rules apply. Read more.
There can be substantial tax benefits in transferring shares into your SMSF, especially once you retire, but strict rules apply. Read more.
Choosing between hedged and unhedged international shares can significantly affect your SMSF returns. It’s more important than it sounds. Read more.
Choosing between hedged and unhedged international shares can significantly affect your SMSF returns. It’s more important than it sounds. Read more.
Many restrictions that apply to the purchase of property via an SMSF don’t apply to commercial property. Here’s how it’s done. Read more.
Many restrictions that apply to the purchase of property via an SMSF don’t apply to commercial property. Here’s how it’s done. Read more.
Recording minutes of your SMSF decisions and resolutions is not only a good habit to get into, it’s a legal requirement. Here’s how it’s done. Read more.
Recording minutes of your SMSF decisions and resolutions is not only a good habit to get into, it’s a legal requirement. Here’s how it’s done. Read more.
SMSFs have many attractions but keeping up with the admin is not one of them. Here’s what you need to know to stay on the right side of the law. Read more.
SMSFs have many attractions but keeping up with the admin is not one of them. Here’s what you need to know to stay on the right side of the law. Read more.
RETIREMENT PLANNING
Far from being one long holiday, retirement tends to be a tale in three acts, with different spending patterns along the way. Read more.
Far from being one long holiday, retirement tends to be a tale in three acts, with different spending patterns along the way. Read more.
Working out how much income you will need in retirement is no easy task, but some simple short cuts may provide an estimate to start the planning process. Read more.
Working out how much income you will need in retirement is no easy task, but some simple short cuts may provide an estimate to start the planning process. Read more.
Most super funds provide tools to help you estimate your annual retirement income and how long it should last. But how reliable are they? It pays to know what to… Read more.
Most super funds provide tools to help you estimate your annual retirement income and how long it should last. But how reliable are they? It pays to know what to… Read more.
Sequencing risk can ruin even the most carefully planned retirement. Losses and low returns just as you move into retirement mean you will have much less to spend. Read more.
Sequencing risk can ruin even the most carefully planned retirement. Losses and low returns just as you move into retirement mean you will have much less to spend. Read more.
With a little planning, you can ensure your retirement income lasts the distance, come what may. Read more.
With a little planning, you can ensure your retirement income lasts the distance, come what may. Read more.
IN RETIREMENT
Before retirement, the focus is often on preparing our finances. After retirement, our changing priorities can come as a surprise, and often in a good way. Read more.
Before retirement, the focus is often on preparing our finances. After retirement, our changing priorities can come as a surprise, and often in a good way. Read more.
The investment return on your super pension account is just as important as the returns you earn on your super while you are working, as this simple ‘rule of thumb’… Read more.
The investment return on your super pension account is just as important as the returns you earn on your super while you are working, as this simple ‘rule of thumb’… Read more.
Choosing your retirement investment mix carefully can help stretch your savings further at a level of risk you’re comfortable with. Read more.
Choosing your retirement investment mix carefully can help stretch your savings further at a level of risk you’re comfortable with. Read more.
Current eligibility rules, income thresholds and application tips for the Commonwealth Seniors Health Card, plus a video explainer. Read more.
Current eligibility rules, income thresholds and application tips for the Commonwealth Seniors Health Card, plus a video explainer. Read more.
