Annual super fund returns, Funds with the lowest fees, 2021 year in review/preview, Starting an SMSF pension, State Seniors Cards, Age Pension Q&As
Highlights of the January 2022 edition of the SuperGuide Premium newsletter include:
- FUNDS DELIVER MANY HAPPY RETURNS: Super funds delivered double digit returns in 2021. We reveal the top 10 Growth funds over one year and 10 years.
- SUPERHEROES AND VILLAINS: Fees can be a drag on super returns, so we reveal the funds with the lowest and highest fees.
- 2021 YEAR IN REVIEW: Despite ongoing COVID disruptions, investors had plenty to celebrate in the year that was.
- HOW TO START YOUR SMSF PENSION: If you’re ready to start a retirement income stream, our simple guide will show you how.
- HAVE CARD, WILL TRAVEL: State and territory Seniors Cards come packed with travel and other concessions, so don’t miss out.
- AGE PENSION Q&As: Some of our most asked questions from readers concern the family home and pension entitlements.
SUPER NEWS
Super news for January 2022
ASIC issues warning to SMSFs on crypto, Superannuation needs to be part of draft National Plan to End Violence against Women and Children 2022-2032, Size and frequency of voluntary super contributions rises, Cbus Super increases investment options for members, Super assets to triple as number of funds dwindle, Investment funds rise across the board, Proxy advice changes criticised by industry.
Best performing super funds: Growth category (61–80%)
The list of top 10 Growth funds in 2023 rounded up some of the usual suspects with a few newcomers, but over 10 years the top funds remain remarkably consistent.
Super fund performance: Monthly returns to February 2024
Super funds continued their winning streak in February on positive economic news, despite concerns that markets appear fully valued.
Super fund performance over 31 calendar years (to December 2023)
Super funds surmounted a wall of worries in 2023 to post a return of almost 10%, thanks to buoyant global share markets.
Super fund performance reckoners: Annual returns for 5 investment categories
In these reckoners you can view the median super fund returns for 1, 3, 5, 7, 10 and 15 years across five different investment options for the last 9 calendar years and 8 financial years.
SUPER FUNDS
Super funds with the lowest fees
Discover the cheapest super funds overall, funds with the lowest fees for each investment category, as well the most expensive super funds.
What are average super fund fees?
An easy way to determine if you believe your super fund is good value, is to assess the cost of your super fund against the average costs for the different types of super funds available.
How super fund fees impact your net returns
You might think a good return is all that matters when it comes to your super fund, but fees are critical. Read on to find how even small differences in fees can have a large impact on your final super balance.
What are the different types of super funds?
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.
Which are Australia’s largest super funds?
Industry consolidation is creating fewer, larger super funds as smaller or underperforming funds are urged to shape up or ship out.
What are MySuper products, and which super funds have MySuper products?
Default MySuper funds have been undergoing a makeover in recent years, with performance under the microscope and fees falling.
SMSFs
2021 year in review, 2022 year in preview
In another year dominated by COVID-19 disruptions to lives and livelihoods, investors have much to celebrate.
5 new year’s resolutions for your SMSF
Take a few minutes out of your day to make some financial commitments for your self-managed super fund in 2023.
SMSFs: How to start a pension
Starting a pension from your SMSF involves some paperwork, but it’s not too onerous if you follow these guidelines. Â
Commuting an SMSF account-based pension
Stopping part or all of a pension can be a useful strategy for SMSFs in certain situations. We explain how and why.
How to add a new member to your SMSF
As SMSFs are now able to have six members instead of four, here’s a refresher on the process involved in increasing your fund’s membership.
RETIREMENT PLANNING
How to plan for your retirement
If retirement beckons, you probably need a plan. You could seek professional financial advice, but it’s not difficult to make a basic retirement plan yourself by following these steps.
Retiring soon? Here are 5 questions you need to answer first
There’s a lot to think about in the run-up to retirement, from where your income will come from to where you’ll live, but answering these questions should help you prepare.
Account-based pensions Q&A special (January 2022)
Aakash Mehta answers readers questions about account-based super pensions and when it’s appropriate to start one.
IN RETIREMENT
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See also our guides to seniors cards for each state and territory:
Age Pension Q&As: Buying or selling the family home and the Age Pension
Sheena Stow-Smith from PensionHelp answers reader questions about the impact on Age Pension entitlements of buying or selling the family home.
3 very different types of retirement
Once you’ve blown out the candles on your 60th birthday cake, retirement beckons. Or does it? For many Australians, the path to retirement has twists and turns they never imagined.