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Home / SuperGuide newsletters / July 2019 newsletter

July 2019 newsletter

Best performing super funds, Aged care planning, Maximise your Age Pension, Best time to retire, Death benefits

Highlights of the July 2019 edition of the SuperGuide Premium newsletter include:

  • SUPER FUND PERFORMANCE: Find out how the median super funds performed over the last financial year, and who were the best performing super funds over one year and 10 years.
  • THE BEST TIME TO RETIRE: Choosing when you retire can ultimately have a big impact on your retirement savings, so before you flick the switch to pension phase, we look at a few issues and strategies to consider. In a separate article we list the five questions you need to ask if you’re thinking of retiring in the next 12 months.
  • AGED CARE PLANNING: Bina Brown walks us through what to consider when planning for the later stages of retirement.
  • PROPORTIONING RULE AND SUPER TAX: What it is and why does it matter? The proportioning rule can impact retirement income, because it can influence the effectiveness of many superannuation retirement strategies in relation to tax. Find out what you need to know in this in-depth article.
  • 12 TIPS TO HELP MAXIMISE YOUR AGE PENSION: Regan Welburn shares his top tips to get the most out of your Age Pension. In a separate article, Barbara Drury looks at the recent deeming rate changes and whether they are fair for pensioners.
  • WHAT HAPPENS TO YOUR SMSF WHEN YOU GO OVERSEAS? Want to live, travel or work in another country? Make sure you’re across the residency rules and what else you need to take into consideration before you pack your passport.
  • HOW TO MAKE YOUR SUPER MORE SOCIALLY AWARE: If you care about responsible investing, check out our article on how to be sure your super and SMSF is backing ethical investments.

FEATURES

2018/19 Year in Review

As we look back over the 2018/19 financial year, it was a year in two halves.

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Why aged care deserves to be part of your retirement plan

When we plan for life after retirement, we can often tend to focus on saving for a comfortable standard of living and travel. It can be difficult to factor in anything other than a happy and healthy journey as we get older, even if we know the reality can be very different.

Read more

Strategies for making the most of your super in the gig economy

What do you do if you’re working in the gig economy and want to build up a super nest egg?

Read more

How to make your super more socially aware

Gone are the days when ethical investing existed on the periphery of investment management and the debate centred around whether or not environmental, social and governance (ESG) focussed funds could actually perform as well as mainstream funds.

Read more

Legal case a lesson in proper SMSF admin and record keeping

A recent court case, known as the Narumon case, demonstrates how important it is for self-managed super fund (SMSF) trustees to ensure their documentation is up-to-date, and that binding death benefit nominations are valid.

Read more

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.

Read more

SUPER FUND PERFORMANCE

Best performing super funds: Balanced category (41–60%)

In this article you can discover the top 10 performing Balanced super funds over 1 year and 10 years to 31 December 2020. Balanced funds have 41-60% invested in growth assets.

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

In this article you can discover the top 10 performing Growth super funds over 1 year and 10 years to 31 December 2020. Growth funds have 61-80% invested in growth assets.

Read more

Super fund performance over 28 calendar years (to December 2020)

In this article we report median super fund performance for 1, 3, 5, 7, 10 and 15 years, up to 31 December 2020 and across five different investment options.

Read more

Asset sector performance: Returns over 1 to 15 financial years (to June 2020)

Discover the investment performance for 12 different asset classes over various timeframes. For all asset classes there is data for 1, 3, 5, 7 and 10 financial years, and for most asset classes there is also data over 15 financial years.

Read more

RETIREMENT PLANNING

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

Retiring is a huge step and it would be normal if you have some last-minute details to sort through before you make the final leap.

Read more

Timing counts if you plan to retire this year and start a super pension

If you’re retiring this financial year it pays to think about possible timing issues before you start drawing down on your superannuation.

Read more

Retiring overseas: Implications for your super and tax

While the exact number is hard to pin down, various industry estimates put the total number of Australian retirees who are now living overseas at around 90,000, a figure which has risen steadily in recent years.

Read more

What happens to your SMSF when you go overseas?

Self-managed super fund (SMSF) members have a number of options in terms of how to treat their fund when they head overseas. The time they intend to be away is a key factor to consider, as is how many of the SMSF’s members are moving overseas and their percentage of the beneficial interests.

Read more

AGE PENSION

How to maximise your Age Pension

There are many strategies you can employ to ensure that you’re making the most of your Age Pension, and in this article we’ll showcase some of the best options that may assist you.

Read more

Age Pension deeming rates cut, at last

The Federal Government has finally bowed to pressure to cut pension deeming rates but stopped short of passing on the full cut in official interest rates.

Read more

‘Pension tax’ deemed unfair

As official interest rates drop to a record low of 1%, Age Pensioners who depend on income from cash investments face a double whammy. Not only do they receive less income from their bank deposits as interest rates fall, but they also risk losing some pension because they are deemed to earn more than they do.

Read more

Deeming rates (and calculator) for the Age Pension income test

On 22 March 2020 the Federal government announced that from 1 May 2020 the deeming rates would be lowered to 0.25% (lower rate) and 2.25% (upper rate).

Read more

SUPER DEATH BENEFITS

Who gets your super when you die? A guide to death benefit nominations

If you have a valid will in place when you die, most of us assume it’s simply a matter of our executors taking care of all the paperwork and paying out our remaining assets to our beneficiaries in the proportions listed in the will.

Read more

A simple guide to what tax is payable on super death benefits

When you die, the tax man can be pretty quick to put his hand out to take his cut, and this also applies to the balance of your super account.

Read more

Reversionary pensions: What they are and how they work

When you retire, there are lots of decisions to make about whether to take a lump sum or start an account-based pension. You also need to decide how you would like the remaining balance of your super account to be distributed when you die.

Read more

Proportioning rule and super tax: What it is and why it matters

When it comes to your super benefits, tax is always at the heart of it, whether it’s when you make a contribution, or when you take your money out at the other end.

Read more

In case you missed it

Read our Super Guide for the 2019/20 financial year, covering the key rules, regulations, rates and thresholds for the 2019/20 financial year.


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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
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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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