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Home / SuperGuide newsletters / November 2018 newsletter

November 2018 newsletter

Super and contributions strategies, SMSFs and ETFs, Quiz time, Latest returns

Welcome to the NOVEMBER 2018 edition of the SuperGuide Premium newsletter. Highlights include:

  • SUPER STRATEGIES: Many super laws, rates and thresholds changing depending on your age. It pays to be on top of these and plan appropriate strategies around them.
  • CONTRIBUTIONS STRATEGIES: We take an in-depth look at salary sacrificing and the bring-forward rule, as well as lesser known strategies such as tax-deductible contributions and reducing capital gains.
  • ETFs: These are increasing in popularity with SMSF investors, particularly because they are a low-cost way to diversify. Robert Barnes reports on the 20 ETFs that are most popular with SMSFs.
  • QUIZ TIME: Test your knowledge with our two quizzes on planning for retirement and boosting your super. Each quiz is 10 questions (multiple choice) and we point you to SuperGuide articles where you can get the answer.
  • INVESTMENT RETURNS: October was a difficult month for investors, and the median growth fund lost 3% in value. Find out how super funds are tracking so far this financial year.

FEATURES

SMSF investment: 20 most popular ETFs

ETFs provide SMSFs with an easy and cost-effective means of gaining exposure to international assets, and other harder-to-access asset classes such as emerging markets. This article lists the 20 most popular ETFs invested in by SMSFs.

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How a government co-contribution can help boost your super savings

Free money from the government is pretty rare. But one of the simplest ways is by investing a few extra dollars into your super account to score a co-contribution payment.

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Super tips and strategies if you are in your 50s

In your 50s you’ve turned the corner and are heading into the final career stretch before retirement. So now’s the time to start paying closer interest to your super and ensuring you are set up to reach your retirement goals.

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AGED-BASED SUPER GUIDES

Work test: Making super contributions over 67

Making super contributions once you reach age 67 is more difficult as you need to meet the requirements of a work test. Here’s a simple guide to understanding the rules and how they affect you.

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SUPER QUIZZES

Quiz: Planning for retirement

Take the following 10-question quiz to test your knowledge on how to plan for your retirement.

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Quiz: Boosting your super with super contributions

Take the following 10-question quiz to test your knowledge on boosting your super with superannuation contributions.

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CONTRIBUTIONS STRATEGIES

Capital gains and super: Using super contributions to reduce your CGT bill

Super contributions can be used in many different ways when it comes to planning your finances and saving for your retirement. In the right circumstances, they can also be a very useful tool for minimising your tax bill.

Read more

A super guide to understanding the bring-forward rule

The bring-forward rule represents an important opportunity to put more money into your super account in a particular year if you receive an inheritance or are getting close to retirement. Here’s a simple guide to how it works.

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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.

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Salary sacrifice and super: How does it work?

From 1 January 2020, your salary sacrificed super contributions can’t be used by your employer to reduce their SG payment obligations, regardless of the amount you elect to salary sacrifice.

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SUPERANNUATION

Selecting your super fund: Can I make the choice?

Uncertain about whether or not you can choose your own super fund? Check out our simple guide to the current fund choice rules.

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Superannuation Glossary

Brush up on the super lexicon with our extensive glossary. 15% pension offset: A 15% tax offset available against assessable pension income if you use super money to purchase a pension income stream. The tax offset reduces your tax liability. ABS: Australian Bureau of Statistics Account-based pension: Regular retirement income stream purchased with money from […]

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Contribution splitting: How to boost your spouse’s super

Topping up your spouse’s super account can be an easy way to build the nest egg you have to share during your retirement. Here are two easy ways to boost your spouse’s super balance.

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3 steps to making a complaint about your super fund

If you have an issue with your super fund, there are steps you can take that will lead to the best chance of resolution.

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How is super split in a divorce?

When couples divorce, super is often overlooked in favour of more readily accessible assets. While that’s understandable, ignoring super can result in serious financial disadvantage in the long term. Get the lowdown on what happens to super in the event of a relationship breakdown.

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Your tax guide to accessing your super over age 60

Knowing how much tax you’ll pay when you withdraw your super savings is important and the rules change once you reach age 60.

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Accessing super: Ceasing employment after 60

Retire at 60, grab your tax-free super and ride off into the distance. Sounds like a plan, but as with everything to do with super, the devil is in the detail.

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INVESTMENT PERFORMANCE

Super fund performance: Monthly returns to January 2021

Super funds continued their positive run in January despite challenging conditions on global markets.

Read more

What are lifecycle super funds, and how do they perform?

The surprisingly strong share market rally from April through to August resulted in strong positive returns for all Lifecycle cohorts during that period.

Read more

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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
SMSF pensions
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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If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

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Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629

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