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
Super news for November 2021
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.
How to manage early retirement due to ill health
Retiring early due to poor health can really have an impact on your retirement plans and finances, so here’s 7 tips on what to consider.
What are unrestricted and restricted non-preserved super benefits?
Your pot of retirement savings in super may actually be divided into several smaller pots, some of which can be withdrawn sooner than others.
How do I transfer a UK pension to an Australian super fund?
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.
Divorce and superannuation: How it works
Super is an increasingly important marital asset and one that should not be overlooked when couples divorce.
SUPER FUNDS
Indexed options in your super fund: Pros and cons
Index investment options are widely regarded as simple and low cost, but they’re not all created equal so it’s important to understand what you are getting.
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.
Super funds of the year awards: Best super funds for 2026
Find out which funds are delivering the best returns, products and services for their members.
Pension fund of the year 2026: What makes a winner?
If retirement beckons, it’s worth knowing which funds are best at addressing the needs of retired members.
UPDATED SUPER AND PENSION FUND QUARTILE RANKINGS
How our super and pension fund rankings work
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?
Super funds
SMSFs
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What is a self-managed super fund (SMSF)?
SMSFs are a popular choice for people who want more flexibility and control over their retirement savings, but they’re not for everyone so be sure to understand what’s involved.
SMSF statistics: 1.2 million members with $1 trillion in super
The size of the self-managed super fund sector continues to grow in terms of members and assets, at the expense of all but industry super funds.
SMSF setup guide: 9 steps you need to follow
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.
What is the sole purpose test, and how does it work?
As the name suggests, the savings you accumulate in super are meant to be for one purpose only. Straying from that purpose can be costly.
How to wind up an SMSF
When you set up an SMSF, it’s a good idea to have an exit plan and an understanding of the winding up process.
RETIREMENT PLANNING
Mind over matter: The psychology of retirement planning
Understanding how common behaviours and cognitive biases can short-change your retirement is the first step to taking control of your financial future.
How inflation affects your retirement income
Of all the risks surrounding your retirement income, from market volatility to overspending, inflation can fly under the radar.
Small business retirement exemption explained
Small business owners have an opportunity to use some of the sale proceeds from their business to boost their super without breaching contribution caps.
IN RETIREMENT
Making super contributions after age 60: Even in retirement
If you have cash to spare or receive a windfall, there are many ways you can add to your super later in life, even if you are no longer working.
Can I return to work after I access my super?
It’s generally possible to return to work after you retire and start withdrawing your super, but the rules vary according to your age.
What concession cards are available for seniors and pensioners?
Even if you aren’t eligible for the Age Pension, there are a variety of valuable concession and healthcare cards available, depending on your age, income and location.
Managing your super after losing your spouse
Inheriting your spouse’s super in retirement needs careful planning to ensure you make the most of the tax-free pension phase without exceeding your limit.
