• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

SuperGuide

Superannuation and retirement planning information

  • SuperGuide Premium
  • Account
  • Log In
  • SuperGuide Premium
  • Account
  • Log In
  • How super works
    • Super for beginners
    • Super rules
    • Employers guide to super
    • Super contributions
    • Super and tax
    • Accessing super
    • Super news
    • Women and super
    • Super tips and strategies
    • How-to guides
    • Super quizzes
    • Superannuation Q&As
    • Superannuation glossary
  • Super funds
    • Best performing super funds
    • Super fund rankings
    • Best performing pension funds
    • Pension fund rankings
    • Super fund average returns
    • Super investing strategies
    • Comparing super funds
    • Choosing a super fund
    • Choosing an investment option
    • Super fund fees
    • Insurance and super
    • Super fund profiles
  • SMSFs
    • SMSFs for beginners
    • SMSF administration
    • SMSF checklists
    • SMSF compliance
    • SMSF investing
    • SMSF pensions
    • SMSF strategies
    • SMSF Q&As
  • Plan your retirement
    • Retirement planning for beginners
    • When should I retire?
    • How long will I live?
    • How much super do I need?
    • Will I get the Age Pension?
    • How much will I spend in retirement?
    • Financial advice
    • Retiring overseas
    • Preparing for retirement
    • Retirement planning strategies
    • Retirement calculators and reckoners
  • In retirement
    • Income in retirement
    • Super lump sums
    • Super pensions
    • Age Pension
    • Working in retirement
    • Life in retirement
    • Senior concessions and services
    • Aged care
    • Estate planning
    • Super death benefits

Home / SuperGuide newsletters / April 2019 newsletter

April 2019 newsletter

Federal Election and Federal Budget, Super contributions case studies, Cheapest super and pension funds, Top sustainable funds, DIY SMSF

Highlights of the April 2019 edition of the SuperGuide Premium newsletter include:

  • FEDERAL ELECTION AND FEDERAL BUDGET: The election campaigning is now in full swing and superannuation has already been making headlines. We have prepared overviews of the Coalition’s and the ALP’s super and retirement-related policies, as well as a summary of the government’s Federal Budget announcements and the opposition’s Budget Reply speech.
  • SUPER CONTRIBUTIONS CASE STUDIES: It can be difficult to know what super contributions might work best for you, so Janine Mace provides a handy overview of how they work, plus 5 case studies to illustrate how they can help boost your super savings.
  • CHEAPEST SUPER AND PENSION FUNDS: Low fees can boost returns – check if your fund is one of the cheapest.
  • TOP SUSTAINABLE FUNDS: The jury is out on whether investing responsibly can provide better returns, but ESG funds are important for many investors who want to plan for their future in more ways than one. Discover what the top performing sustainable funds are over the last 10 years.
  • ACCESSING YOUR SUPER: Find out all the possible ways you can access your super, whether you are transitioning to retirement, reaching age 60, or wanting to access your super early.
  • DIY SMSF: We often get questions about how to manage your SMSF without an accountant. This month we show you how to prepare your financial statements for an auditor, and how to fill in your tax return.
  • FRANKED DIVIDENDS: Franked dividends and franking credits are likely to be a significant issue in the forthcoming election. Ali Cain gives a refresher on how the franked dividends rules currently operate.
  • ESSENTIAL INVESTING CONCEPTS: In three short articles we review some of the basic concepts on investing, covering the magic of compounding, the rule of 72 and what is meant by “today’s dollars”.

2019 FEDERAL ELECTION AND FEDERAL BUDGET

2019 Federal Election: Coalition policies on super, tax and retirement

This article summarises the Coalition’s main election announcements related to superannuation, tax, investing and matters that may affecting your retirement planning.

Read more

2019 Federal Election: ALP policies on super, tax and retirement

The 2019 Federal Election has been announced for 18 May, and the ALP are now presenting their campaign policies to the nation.

Read more

2019 Federal Budget overview: Super, tax and related announcements

On 2 April 2019, Josh Frydenberg announced his first Federal Budget as Treasurer. There were only a handful of policies that directly relate to superannuation, but also tax cuts and a one-off energy payment for older Australians.

Read more

2019 ALP Federal Budget reply: Super, tax and related announcements

On Thursday April 4th Labor leader Bill Shorten delivered his reply to this week’s Federal Budget. In this article we’ll look at Labor’s reply in relation to tax and superannuation measures, as well as announcements that affect older Australians.

Read more

What just happened to our tax? Here’s an explanation you’ll understand

With all the announcements on tax over the past few days it’s hard to keep track. So here goes. A year ago the then treasurer Scott Morrison unveiled a “seven year personal tax”.

Read more

FEATURES

What super contributions are best for me?

Working out the best mix of super contributions to grow your nest egg can be confusing. Here are some simple case studies to help show you the impact for Aussies of different ages, incomes and work situations.

Read more

Super and pension funds with the lowest fees

Super fund fees are in the government’s sights, and funds are beginning to take notice.

Read more

Top performing sustainable investment funds

Investors are enjoying an explosion in the range of sustainable investment options in the market. Between 2016 and 2017 there was a 340% rise in funds that screen assets for their sustainability features, or lack thereof.

Read more

How do tax-deductible superannuation contributions work?

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

What are the different types of super funds?

Whatever your circumstances, it’s important to canvass all your options before you make your final selection. It’s also worth remembering that your choice of fund is not a life sentence. If you are unhappy with your fund for whatever reason, you are free to switch funds provided you have choice.

Read more

When can I access my super? All conditions of release explained

To legally access your super in Australia you must satisfy a condition of release. Different conditions of release have different payment conditions and tax implications.

Read more

Retirement cost of living: How much does a comfortable lifestyle cost?

Knowing what and where you will spend will make retirement planning much easier, and help you avoid retirees’ biggest fear: outliving their savings.

Read more

Don’t wait for a crisis – start planning your aged care now

Most Australians prefer to die at home but few adequately plan for it. Consequently, just one in seven dies at home. Some say they will make plans “when the need arises”. But what if you have a heart attack, go into a coma, have a stroke, or develop dementia before having shared your thoughts?

Read more

SMSFs

How to prepare for an SMSF auditor and fill in your SMSF tax return

If you’re an SMSF trustee and you’re not using the services of an accountant, you must provide your fund auditor with all relevant documentation for your fund’s accounts and financial transactions for the financial year being audited.

Read more

The definitive SMSF guide to franked dividends

You can receive a tax credit by buying shares in Australian companies that pay franked dividends. Dividends paid to shareholders by Australian resident companies are taxed under a system known as imputation.

Read more

SMSFs and property: A Super Guide

One of the unique characteristics of self-managed superannuation funds (SMSFs), which make them attractive to some investors, is their ability to invest in direct property.

Read more

SMSF compliance: What are trustees’ responsibilities?

SMSF trustees are legally obliged to ensure their fund’s compliance with superannuation legislation in Australia. The ATO imposes a range of penalties for non-compliance, depending on the seriousness of the breach.

Read more

Which asset classes are popular with SMSFs?

Which investments are most popular with SMSFs? A short and simplistic answer is that shares and cash and term deposits compete as the most popular investments across the board for SMSFs.

Read more

STARTING A PENSION

Starting a pension from your super

The most popular type of superannuation pension is an account-based pension, which is also the main type of super pension available to retirees. The technical term for a superannuation pension is a ‘complying pension’ (that is complying with the superannuation rules).

Read more

SMSFs: How to start a pension

One of the benefits of having a self-managed superannuation fund (SMSF) is its ability to pay members an income stream, or account-based pension. Of course any superannuation fund can do this, but paying a pension from an SMSF offers members more control and flexibility.

Read more

ESSENTIAL INVESTING CONCEPTS

The magic of compounding interest

Compound interest is the interest calculated from an initial sum of money which is then added to the total which increases each time that interest payment is paid out.

Read more

The Rule of 72, and how it can help you choose an investment

How long does it take to double your investment? By applying The Rule of 72, you’ll be able to answer that question since it is an easy mathematical formula.

Read more

‘Today’s Dollars’: The impact of inflation on retirement income

Planning for your retirement and working out how much you’ll need to enjoy a good standard of living after your working years can be a complex task, and one factor that needs to be considered is inflation.

Read more

LATEST SUPER PERFORMANCE

Super fund performance: Monthly returns to January 2021

Super funds continued their positive run in January despite challenging conditions on global markets.

Read more

What are lifecycle super funds, and how do they perform?

The surprisingly strong share market rally from April through to August resulted in strong positive returns for all Lifecycle cohorts during that period.

Read more

Primary Sidebar

How super works
Super for beginners
Super rules
Employers guide to super
Super contributions
Super and tax
Accessing super
Super news
Women and super
Super tips and strategies
How-to guides
Super quizzes
Superannuation Q&As
Superannuation glossary
Super funds
Best performing super funds
Super fund rankings
Best performing pension funds
Pension fund rankings
Super fund average returns
Super investing strategies
Comparing super funds
Choosing a super fund
Choosing an investment option
Super fund fees
Insurance and super
Super fund profiles
SMSFs
SMSFs for beginners
SMSF administration
SMSF checklists
SMSF compliance
SMSF investing
SMSF pensions
SMSF strategies
SMSF Q&As
Plan your retirement
Retirement planning for beginners
When should I retire?
How long will I live?
How much super do I need?
Will I get the Age Pension?
How much will I spend in retirement?
Financial advice
Retiring overseas
Preparing for retirement
Retirement planning strategies
Retirement calculators and reckoners
In retirement
Income in retirement
Super lump sums
Super pensions
Age Pension
Working in retirement
Life in retirement
Senior concessions and services
Aged care
Estate planning
Super death benefits
Compare super funds

Footer

Important: Disclaimer

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.

Learn more

About SuperGuide

SuperGuide is Australia’s leading superannuation and retirement planning website. Learn more

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

  • Contact us
  • Advertise on SuperGuide
  • Careers

Before using this website

  • New to SuperGuide?
  • Terms and Conditions of Use
  • Financial Services Guide
  • Privacy Policy and Privacy Collection
  • Copyright Policy
  • Editorial Policy and Complaints
  • Disclaimer

  • SuperGuide Premium
  • Subscriber feedback
  • Sitemap