Super performance for 2019-20, Year in review, Super contributions strategies, Super and tax, Managing your SMSF through a recession, Wellbeing and brain health in retirement
Highlights of the July 2020 edition of the SuperGuide Premium newsletter include:
- WHAT JUST HAPPENED? After a year punctuated by the worst pandemic in a century and the worst global recession in nearly as long, super fund returns finished the year… where they began. We chart super’s performance over the past month, year and over the long-term.
- PHEW! YOU MADE IT: It’s been a challenging year for SMSF trustees. We survey the year that was and how to steer your fund through a recession.
- BAND-AID SOLUTION FOR TPD INSURANCE IN SUPER: A temporary relaxation of tough eligibility tests for ill or injured people claiming on their TPD insurance in super is not good enough.
- DOES YOUR SUPER NEED A SHOT IN THE ARM? If your super looks a bit anaemic, making extra contributions is a smart move. Whether you are still working or recently retired, we outline your options.
- UNDERSTANDING SUPER CAN BE TAXING: If you find the taxation of super confusing, you’re not alone. We feel your pain, so we’ve put together a guide to help you make the most of the tax concessions on offer without breaking the rules.
- CHALLENGE YOUR BRAIN, FEEL THE GAIN: Retirement may be a chance to ease back but staying engaged and challenged is vitally important for brain health as we age. In this video interview, we explain how.
SUPER NEWS
Super news for July 2020
ATO clamping down on false claims, AFCA’s 80,000 complaints, MySuper Heatmap delivers for members, Robo-advice lagging in Australia, Australians pay closer attention to super.
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SUPER FUND PERFORMANCE FOR 2019-20
Best performing super funds: Growth category (61–80%)
While a host of new entrants made the top 10 in 2024, over 10 years the top performers are remarkably stable and a much better indicator of long-term excellence.
Super fund performance over 32 calendar years (to December 2024)
Super funds went above and beyond in 2024, with the median Growth fund up 11.4% and even the most conservative investment options performing strongly.
Super fund performance: Monthly returns to May 2025
After a nail-biting start to the year, super funds are on track for another cracking return of about 9% for the 2025 financial year, after the median Growth fund was up 2.7% in May and markets continuing to rise in June.
SUPER CONTRIBUTION STRATEGIES
How to make the most of your super contributions
Choosing the optimal mix of before and after-tax super contributions can make a big difference to your retirement outcome. We show you how to work out the best solution for you.
What are the current work test rules for super contributions?
Even though the work test has been abolished for most super contributions, if you are over age 67 there is still one type of contribution that needs to pass the test.
Making super contributions after age 60: Even in retirement
Modernised laws allow contributions up to age 75 and beyond. Discover smart options to get more cash into your super.
A super guide to the bring-forward rule
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know about the rules.
Super recontribution strategy: How it works
Find out how a recontribution strategy can decrease tax for your beneficiaries and help you and your spouse share super balances more evenly.
How carry-forward (catch-up) super contributions work
If you haven’t used all your concessional contributions cap in recent years you can play catch-up and get a handy tax concession to sweeten the deal. We explain how.
How to boost your spouse’s super balance (including calculator)
Couples who plan together succeed together. Learn how paying attention to your spouse’s super could maximise your opportunities.
What to do if you exceed your super contributions caps
Going over your annual limits for super contributions can cause problems and cost you money, so it’s important to know what to do if you have.
SUPER AND TAX
How superannuation is taxed: Super for beginners guide
Super is a very tax-effective vehicle for your retirement savings, but no-one said the taxation of super was simple. Here’s a quick overview of what you pay and when.
Your tax guide to accessing your super under age 60
If you’re eligible and thinking about tapping into your super before you turn 60, it’s worth checking the tax implications first. In some cases, you may be better holding off for a while.
Your tax guide to accessing your super over age 60
Once you turn 60 and start withdrawing your super, the tax advantages of the super system come into play.
SMSFs
2019-20 year in review
It was a year when it felt like an achievement just to make it to the other side.
Managing your SMSF through a recession
While fears of a looming recession may be receding, it’s still prudent for SMSF trustees to prepare for a period of slower economic growth.
TBAR: Transfer balance account reporting for SMSFs
Understanding the transfer balance account rules, including timing and transaction reporting, is extremely important for SMSF trustees..
IN RETIREMENT
Video: Wellbeing in retirement
Tracey Spicer talks to world-renowned positive psychology and wellbeing expert Sue Langley about ways to think about wellbeing in retirement.
Video: What is Personal Capital?
David Williams from My Longevity talks about the concept of Personal Capital and why it’s important retirees don’t overlook it.