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July 2024 Super booster newsletter

Super fund performance: Annual returns to December 2025
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 fund performance: Annual returns to December 2025
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.
Best performing super funds: Growth category (61–80%)
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.
Best performing super funds: Growth category (61–80%)
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.
Top 10 Balanced super funds ranked by risk and return
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.
Top 10 Balanced super funds ranked by risk and return
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.
Super fund performance: Monthly returns to January 2026
Super funds kept their head above water in January, despite some very choppy seas. Read more.
Super fund performance: Monthly returns to January 2026
Super funds kept their head above water in January, despite some very choppy seas. Read more.
How the government co-contribution scheme works (including calculator)
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.
How the government co-contribution scheme works (including calculator)
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.
Case studies: How to make the most of higher contribution caps
Super fund members can make higher contributions this financial year, but the actual amount may depend on whether you’ve previously triggered the bring-forward rule. Read more.
Case studies: How to make the most of higher contribution caps
Super fund members can make higher contributions this financial year, but the actual amount may depend on whether you’ve previously triggered the bring-forward rule. Read more.
Super news for July 2024
First tranche of financial advice reform laws passed, criminals targeting previous victims of scams, and investors continue to favour ETFs. Read more.
Super news for July 2024
First tranche of financial advice reform laws passed, criminals targeting previous victims of scams, and investors continue to favour ETFs. Read more.

Transition to retirement pensions: The BOOM is coming

Thursday 25 July 2024 at 11:00 am AEST

With recent changes to both superannuation and tax laws, there is likely to be a huge uptake in the use of transition to retirement pensions. This webinar will highlight the benefits of using a transition to retirement pension and how they can be used to manage regulatory change.

Q. I have approximately $10,000 unused concessional contribution cap from 2019-20 that I want to use up this financial year before the opportunity expires. Can I elect to use this unused space first before taking advantage of this year’s cap?

A. No. To begin using concessional cap space from prior years, you must first exhaust the current year’s cap. In 2024-25, the concessional cap is $30,000. To begin accessing unused space from prior years, you must contribute more than $30,000 in concessional contributions during 2024-25.

For example, if your total concessional contributions are $40,000 for the year, $10,000 of unused space from prior years would be carried forward to absorb the additional contributions above the $30,000 annual cap.

Don’t let common errors get in the way of building your retirement savings, check out the biggest super mistakes – and how to avoid them.

Important: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.