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Home / SuperGuide newsletters / January 2022 newsletter

January 2022 newsletter

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

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.

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Best performing super funds: Growth category (61–80%)

In a year of impressive returns all round, some funds outshone the rest. We reveal the top 10 Growth funds over one year and 10 years.

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Super fund performance: Monthly returns to April 2022

It will come as no surprise that volatile markets took a toll on super funds in April, with the median Growth fund losing 1.2%.

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Super fund performance over 29 calendar years (to December 2021)

In this article we report median super fund performance for 1, 3, 5, 7, 10 and 15 years, up to 30 June 2021 and across five different investment options.

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Annual 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 6 calendar and financial years.

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SUPER FUNDS

Super funds with the lowest fees

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.

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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.

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Super fees and returns calculator

When comparing super fund performance, the important figure is returns net of fees over the long term. Our calculator allows you to work this out and more.

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What are the different types of super funds?

When it comes to super funds, there’s a wealth of choice and your choice of fund can make a big difference to your wealth. So it pays to know what’s what.

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Which are the largest super funds?

Superannuation is now very much super-sized, with 187 super funds and $2.9 trillion invested. Here we list the 20 largest super funds in Australia so that you can benchmark your own fund.

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What is MySuper, 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.

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SMSFs

2021 year in review, 2022 year in preview

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.

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5 new year’s resolutions for your SMSF

Most things in life benefit from some planning. Resolving to do these simple actions will help your SMSF run smoothly and could even boost its performance.

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SMSFs: How to start a pension

It might seem complex to begin with, but if you follow these steps, you should be able to establish your own retirement income stream.

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Commuting an SMSF allocated pension

Stopping part or all of a pension can be a useful strategy for SMSFs in certain situations. We explain how and why.

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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.

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RETIREMENT PLANNING

How to plan for your retirement

How to plan for your retirement

Retirement planning can seem complex and a little daunting, so we’ve broken it down into 7 easy steps.

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Retiring soon? Here are 5 questions you need to answer first

If you’re keen to retire but not sure if you can afford the lifes you dream about, answering these simple questions may help you decide.

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Should I start a super pension or leave super in the accumulation phase?

There’s no hard and fast rule about what to do with your super on retirement, but it’s important to weigh up the pros and cons of starting a super pension or leaving it where it is.

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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.

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IN RETIREMENT

Your simple guide to state Seniors Cards: How they can save you money

Your simple guide to state Seniors Cards: How they can save you money

Seniors Cards issued by your state or territory provide valuable government concessions and business discounts, so ensure you apply as you approach retirement.

Read more

See also our guides to seniors cards for each state and territory:

  • ACT
  • NT
  • NSW
  • QLD
  • SA
  • TAS
  • VIC
  • WA

How you can really engage with your future

Your wellbeing in retirement is about more than the size of your super balance; health, housing and the transfer of wealth all play a part.

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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.

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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.

Read more

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