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
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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.
Growing your retirement savings needs the right mix of super contributions. Here’s some guidelines and case studies to help you think about what’s right for you.
Discover the cheapest super funds overall, funds with the lowest fees for each investment category, as well the most expensive super funds.
Choosing an investment option for your super that aligns with your values no longer means sacrificing returns. Here’s the latest on top-performing sustainable funds.
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.
Choosing an excellent super fund can make a big difference to your retirement outcomes. The first step is an understanding of the five broad categories of funds on offer.
While super is designed to provide income in retirement, there are circumstances when you may be eligible to withdraw some or all of your savings.
If retirement beckons, it’s time to work out how much income you think you will need to fund your desired retirement lifestyle. Here’s what you need to consider.
Even if you outsource most of the boring SMSF admin, there are two annual tasks trustees can’t avoid.
Let’s be frank, at a time of historically low interest rates it’s no wonder SMSF investors have been flocking to franked dividends from shares.
The ability to invest in real property is one of the attractions of SMSFs, but it’s tightly regulated.
SMSFs provide members with a high degree of control and flexibility, but there are strict rules attached.
Listed Australian shares continue to be the most popular asset class for SMSF trustees but other assets are gaining ground.
STARTING A PENSION
When you retire there’s more than one way to withdraw income from your super; we explain your options.
Starting a pension from your SMSF involves some paperwork, but it’s not too onerous if you follow these guidelines.
ESSENTIAL INVESTING CONCEPTS
Even modest regular savings can grow into substantial nest egg, thanks to the combined effects of compound interest and time. Here’s how it works.
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LATEST SUPER PERFORMANCE
Super funds continued their winning streak in January, with the median Growth fund up 1% over the month.
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.