Best super returns in a generation, Year in review, Income for life, 6-member SMSFs, Age-based super rules, Your best contributions strategy
Highlights of the July 2021 edition of the SuperGuide Premium newsletter include:
- A SUPER COMEBACK: Super fund returns returned 18% last financial year, highlighting the importance of staying invested.
- FROM GLOOM TO BOOM: The 2020-21 financial year kept investors on the edge of their seats, as the economy and markets staged a dramatic recovery from recession.
- CALL AND RESPONSE: Retirees have been calling for guaranteed income for life, and more super funds are answering the call.
- GREEN LIGHT FOR 6-MEMBER FUNDS: SMSFs now have more flexibility to gather the extended family in one fund. What could possibly go wrong?
- SUPER FOR THE AGES: From your teens to your 70s, our guides will help you make the most of the super rules whatever your age.
- MIX AND MATCH SUPER CONTRIBUTIONS: Finding the right mix of before and after-tax contributions can make a big difference to your retirement savings. We explain how.
SUPER NEWS
Super news for July 2021
Pandemic has long-lasting impact on older Australians, Intergenerational report forecasts doubling in older Australians, Hostplus to grow through more mergers, LUCRF Super teams up with AustralianSuper, Super funds make bid for Sydney airport, Six member SMSFS good to go, Dixon Advisory to pay $8.2 million in penalties.
Best performing super funds: Growth category (61–80%)
While the top 10 Growth funds bounce around from year to year, the cream floats to the top over 10 years and tends to stay there.
Super fund performance: Annual returns to December 2025
Super funds hit the trifecta in 2025, with strongly positive returns for the third year running, despite rising geopolitical tensions and volatile investment markets.
Super fund performance: Monthly returns to April 2026
Super funds bounced back in April despite ongoing volatility and are on course for another positive financial year.
Which super funds offer income for life?
If you’re worried about running out of super, a lifetime pension may offer not only
income for life but more Age Pension to boot.
YourSuper comparison tool review
Our video review demonstrates how to use the ATO super fund comparison tool to shortlist products you may wish to consider.
SMSFs
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How to boost your SMSF balance with contributions reserving
The increase in contribution caps from 1 July provides opportunities for SMSFs to potentially get up to $57,500 tax-deductible contributions into their super this financial year. Here’s how.
SUPER RULES
In your 70s? The super rules that apply to you
If you’re still adding to your retirement savings in your 70s, it’s important to know the super rules, as making contributions becomes tougher after age 75.
In your 60s? The super rules that apply to you
When you reach your 60s, the rules around making contributions and withdrawals from super start to change, so it’s important to know what’s what.
In your 50s or younger? The super rules that apply to you
When you reach your 50s, it’s time to get serious about your super, so here’s the key super rules for your age group.
SUPER CONTRIBUTIONS STRATEGIES
Working out the best mix of 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.
Making superannuation contributions: Super for beginners guide
It can be confusing to understand all the different types of super contributions. But it’s worth learning the main types and what each one offers you.
How do tax-deductible superannuation contributions work?
Making a tax-deductible super contribution can be a great way to boost your retirement savings. Find out whether they could be the right strategy for you.
Salary sacrifice and super: How does it work?
By directing some of your pre-tax income to super, you not only boost your retirement savings but save tax at the same time.
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.
Bring-forward rule explained: How to make large super contributions
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.
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.
Investing an inheritance into super: What you need to know
Learn how investing a sudden financial gain in super can pay off, with detailed case studies and a look at important restrictions.
Super recontribution strategy: How it works (including calculator)
Find out how a recontribution strategy can decrease tax for your beneficiaries and help you and your spouse share super balances more evenly.
5 strategies to help fix your total super balance problem
If a high super balance is limiting your ability to get more into the tax effective super environment, there are ways to reduce your balance and maximise contributions at the same time.
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.
