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Home / SuperGuide newsletters / February 2021 newsletter

February 2021 newsletter

Lowest-fee super and pension funds, Best performing funds, Transfer balance cap to rise, Tax and your SMSF, Downsizer case study, Retirement myth-conceptions.

Highlights of the February 2021 edition of the SuperGuide Premium newsletter include:

  • LOW-FEE FUNDS ON THE RISE. The lowest-fee super and pension funds have something in common – they follow the index.
  • BEST PERFORMING SUPER AND PENSION FUNDS. Despite significant challenges, super and pension funds finished strongly last year. We reveal the champions.
  • CAPS LIFTING ON TRANSFER BALANCE AND TOTAL SUPER BALANCE. Don’t know your TBC from your TSB? We help you spot the difference.
  • DO SMSFs PAY LESS TAX? While all super funds are taxed the same way, SMSFs have more flexibility than big funds.
  • MAKING THE MOVE TO BOOST RETIREMENT INCOME. Downsizing your home can release much needed retirement income, as this case study shows.
  • RETIREMENT MYTHS ARE LEGEND. The Retirement Income Review challenged some common beliefs causing many retirees to live more frugally than necessary.  

HOW SUPER WORKS

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

Super fund performance: Monthly returns to January 2021

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

Read more

Pension fund performance to December 2020

The bounceback in superannuation pension funds, like accumulation funds, continued in the September quarter 2020, albeit at a less exuberant pace than in the June quarter.

Read more

Super news for February 2021

Transfer balance cap to rise 1 July 2021, Super associations urge government to make super fair for all, Nearly one million young Australians left with little or no super, ATO has its eye on auditor details in SMSF annual returns, SMSF Association calls for less complexity in super, High Court says Westpac subsidiaries gave unauthorised personal advice, Optimum Pensions to launch new market-linked lifetime annuity, Maritime Super to outsource investment to Hostplus.

Read more

Understanding the difference between your total superannuation balance and your transfer balance cap

Don’t know your TSB from your TBC? Read this simple explainer.

Read more

That extra you’re about to get in super, most of it will come from you, but don’t expect the ads to tell you that

There’s something odd about those television and internet advertisements telling us we are getting more super.

Read more

BEST PERFORMING SUPER AND PENSION FUNDS

Check out the best performing super and pension funds across 5 different investment categories over 1 year and 10 years, updated to 31 December 2020.

Super funds

  • All Growth (96–100%)
  • High Growth (81–95%)
  • Growth (61–80%)
  • Balanced (41–60%)
  • Conservative (21–40%)

Pension funds

  • All Growth (96–100%)
  • High Growth (81–95%)
  • Growth (61–80%)
  • Balanced (41–60%)
  • Conservative (21–40%)

SUPER AND PENSION FUND QUARTILES

If your super fund is not in the top 10, see which quartile it ranks in across 5 different investment categories and 8 different timeframes, updated to 31 December 2020.

Super funds

  • All Growth (96–100%)
  • High Growth (81–95%)
  • Growth (61–80%)
  • Balanced (41–60%)
  • Conservative (21–40%)

Pension funds

  • All Growth (96–100%)
  • High Growth (81–95%)
  • Growth (61–80%)
  • Balanced (41–60%)
  • Conservative (21–40%)

SMSFs

Tax in SMSFs and regular super funds: Which is better?

All super funds pay the same tax rate, but there are differences in the ability of SMSFs and large super funds to manage their tax liabilities for the benefit of members.

Read more

The importance of asset allocation

The most important investment decision you make may not be about what you invest in, but how you spread your money across different investments.

Read more

5 tips to figure out if a tech company on the stock market is an ethical investment

These days people trading on the stock market want more than just a strong financial return. They’re increasingly opting for investments that will also have a positive societal impact.

Read more

RETIREMENT PLANNING

Getting financial advice? What your adviser needs to provide

When you see a financial adviser, there are rules about the documents and information you must be given to ensure the advice is in your best interests and will help you make informed decisions.

Read more

10 common ‘myth-conceptions’ about retirement income

Even the experts acknowledge that our retirement income system is complex, so it’s important to clear up some common misunderstanding.

Read more

In retirement case study: Boosting retirement income with downsizer contributions

Lee and Mandy are retired and want to see whether downsizing could increase their retirement income.

Read more

Do retirees hoard their superannuation?

Jim Bonham from Save Our Super examines recent claims that retirees have been hoarding their superannuation.

Read more

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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

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