Indexing strategy, Super fund league tables, SMSF Q&A, The psychology of investing, Inflation on the rise, Boosting super post retirement.
Highlights of the November 2021 edition of the SuperGuide Premium newsletter include:
- IF YOU CAN’T BEAT THEM, JOIN THEM: Indexing strategies that aim to match market returns are increasingly popular with super investors.
- SUPER AND PENSION FUND RANKINGS: Super investors enjoyed bumper returns last financial year, but some funds outpaced the pack.
- READERS SMSF QUESTIONS ANSWERED: This month we introduce our new series of Q&As on all aspects of super, beginning with SMSFs.
- MIND GAMES AND YOUR SUPER: Bad decisions can have long-term financial effects on your super and retirement plans. Here’s how to avoid them.
- INFLATION AND RETIREMENT: Inflation is on the rise, with potential impacts on retirement income. We count the ways.
- RETIRING NOT OUT: Contributing to super is more difficult once you retire, but not impossible. We explain your options.
HOW SUPER WORKS
Cut-off age for bring-forward rule confirmed, Poor performing super funds still have sticky membership, SMSFs fail to beat the market, Superannuation portfolio holdings disclosure regulations finalised, new director IDs, Retiree living costs rise, calls for fairer PLS rate, APRA turns up the heat on high fees, billions in unpaid super, and Australia’s pension system up with the best.Read more
Retiring early due to poor health can have a real impact on your retirement plans and finances, so here’s 7 tips on what to consider.Read more
If you have ever wondered why your super fund breaks down your balance into preserved and two types of non-preserved amounts, this explainer is for you.Read more
It can make sense to bring your UK pension funds home to Australia, but the process is far from straightforward. We explain how it’s done.Read more
Splitting super requires four legal steps, but new legislation will at least make it easier for divorcing couples to access information about their partner’s super.Read more
Indexing is an increasingly popular investment strategy and many super funds offer it as an investment option, but how does it work and what are the benefits?Read more
Super funds were back in the black in October after a stumble in September.Read more
There’s more to being a top fund than returns alone, as the winners of the annual super fund awards demonstrate.Read more
QSuper has taken out SuperRatings’ top award in the retirement space for the fourth year running, after adding an innovative pension product to the mix.Read more
UPDATED SUPER AND PENSION FUND QUARTILE RANKINGS
Now updated to 30 September 2021. Have you ever looked at your super fund’s investment returns and wondered how your fund compares with similar funds? Is it a consistently high performer or an inveterate underachiever?Read more
Graeme Colley, executive manager, SMSF technical and private wealth, SuperConcepts kindly answers readers SMSF questions.Read more
Controlling your own financial destiny is an appealing prospect for many Australians, but it’s important to understand the costs as well as the benefits.Read more
The number of SMSFs in Australia has continued to rise in recent years, along with average individual member and overall fund balances. The majority of SMSFs have been operating for more than ten years and have corporate trustees, with this structure becoming very popular since 2015.Read more
SMSFs offer more control than other super funds, but strict rules apply. Follow our 9-step guide to ensure your fund complies with all your legal obligations from the outset.Read more
For all its complexity, super boils down to one simple goal. Lose sight of that goal, and the ATO will come knocking.Read more
Like everything to do with SMSFs, there are rules and processes to follow when the time comes to call it a day.Read more
When it comes to complex decisions about our future financial security, we often shoot ourselves in the foot. But a little self-knowledge can go a long way.Read more
While markets are talking up interest rate rises, retirees should be more worried about the potential impact of rising inflation on their retirement income.Read more
Small business owners often regard their business as their retirement ‘nest egg’, but did you know you can contribute some of the sale proceeds to super and save tax at the same time?Read more
You may be able to retire whenever you choose in Australia, but age matters if you want to tap into your super or apply for the Age Pension.Read more
Once you retire super contributions get trickier, but not impossible. So it’s worth learning which contributions remain available to you.Read more
Just because you’ve retired and collected your super, doesn’t mean you can’t go back to work if you want to. Here’s what you need to know.Read more
A world of potential concessions and discounts opens up once you hit your 60s, even if you are not eligible for the Age Pension. We explain who gets what.Read more
Deciding whether to take your partner’s super death benefits as a lump sum, pension or a bit of both requires careful planning; the earlier the better.Read more