How the wealthy invest, SMSFs vs Member Direct, Home Care Package costs, Choosing a retirement calculator, Putting an inheritance into super
Highlights of the August 2019 edition of the SuperGuide Premium newsletter include:
- HOW THE WEALTHY INVEST: Want to know the secrets of what the cashed up do with their money? We look at how the well-off invest and the results may surprise you…
- PUTTING AN INHERITANCE INTO SUPER: What should you do with an inheritance? Is it better to pay off your mortgage, pay down debt or put it into super? We look at the pros and cons of different strategies so you can make the most of an inheritance.
- HOW INFLATION AFFECTS YOUR RETIREMENT INCOME: Inflation can rob you of your super over time. Find out how it happens and what you can do to stop it.
- WHAT TO DO WHEN A MEMBER LEAVES A SMSF: Breaking up can be hard to do – especially when a member leaves a SMSF under less than amicable circumstances. Here’s how to avoid the pain up front.
- SUPER PERFORMANCE AND RISK: Super is a risky business. But how much risk should you take – and how can you calculate the real risk involved in your investments? We look at how to measure risk and use it to your advantage.
- SELLING A BUSINESS BEFORE RETIREMENT? Business owners face a lot of big decisions when planning their retirement. We talk to a transition expert who helps business owners who are looking to retire, set themselves up for success and outline the pitfalls to avoid.
- PLANNING SPENDING FOR THE THREE STAGES OF RETIREMENT: Research shows that there are three clear stages in most people’s retirement, and they all need a different budget. Find out more, so you can plan your retirement spending better.
SUPERANNUATION
Super news for August 2019
APRA to rate super funds, ATO cracking down on SMSF diversification and Australians working longer.
Super fund performance: Monthly returns to September 2025
It’s been another good month for super funds and their members, with funds on track for another strong annual performance.
Single women and super: How 3 women beat the statistics
Older single women face increasing challenges to building a superannuation balance that can adequately support them in retirement.
Getting to know your super fund and what it can do for you
Increasingly super funds offer support through education, advice, apps and rewards – find out if your fund stacks up in terms of what it does for you.
Investing an inheritance into super: What you need to know
Learn how investing a sudden financial gain in super can pay off, with detailed case studies and a look at important restrictions.
How to read a super fund PDS
Are you and your super fund a perfect match? All will be revealed in your fund’s product disclosure statement.
How to manage early retirement due to ill health
Retiring early due to poor health can really have an impact on your retirement plans and finances, so here’s 7 tips on what to consider.
Quiz: Super for beginners
Does super bamboozle you? Take this quick quiz to learn some of the super fundamentals.
SMSFs
The why and how of direct investment super options
If more control over the investments and tax in your super is appealing but you don’t fancy the additional attention and time an SMSF requires, direct investing with a public-offer fund could be for you.
Single Touch Payroll (STP): What it means for SMSF trustees
Single touch payroll (STP) reporting is a streamlined way for employers to provide the Australian Taxation Office (ATO) with payroll information, that is, pay as you go (PAYG) withholding and superannuation guarantee information.
What to do if a member wants to leave an SMSF
If there’s one thing certain in life it’s this – things change. If you or another member of your SMSF want to take your leave, strict rules apply.
RETIREMENT
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Need care at home? We look at where to find it and what it costs
Aged care reforms are changing the ways in-home care is provided to older Australians, and how much they will pay for services.
How inflation affects your retirement income
Worrying about your household budget is something we all do at times, but retirees can’t easily replenish their savings, so rising prices and inflation can represent a big challenge.
How to plan your spending through the 3 stages of retirement
Far from being one long holiday, retirement tends to be a tale in three acts, with different spending patterns along the way.
How to get ready for retirement if you own a business
It can be easy to put off retirement planning when you are caught up in the demands of running your own business, but it pays to plan ahead if you want to make the most of all your hard work.
Selecting a retirement income calculator
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 look out for.
INVESTING
How the rich invest
Have you ever wondered how the rich invest? Very cautiously is the answer.
Platforms and wraps: Benefits and downsides
Technology is at the heart of recent innovation by platform providers as they compete against each other, industry funds and SMSFs for your super and non-super investments.
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.
The Sharpe Ratio: Risk-adjusted returns and your super
We all want to earn top notch returns from our super fund, but at what level of risk? This is how you find the sweet spot.