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Home / SuperGuide newsletters / October 2018 newsletter

October 2018 newsletter

Labor’s franking credits policy, How much super will you need?, SMSFs and insurance, Death benefits

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

  • LABOR’S FRANKING CREDITS POLICY: Jim Bonham illustrates how the ALP’s policy will significantly reduce the income for not just SMSFs, but also low and middle income direct shareholders.
  • HOW MUCH SUPER WILL YOU NEED? In a series of articles we examine the fundamental questions – when should you retire, how much will you be spending in retirement, and (therefore) how much super will you need? We also crunch the numbers on whether $1m is enough to retire on, and how much super you need to retire on $100,000 per year.
  • SMSFS AND INSURANCE: All SMSFs need to consider insurance as part of their investment strategy. We present the rules, the benefits and some frequently asked questions.
  • LIFE INSURANCE: Thanks to SuperRatings we can announce the 20 funds with the lowest fees for life / TPD insurance, and the 20 funds with the lowest fees for Income Protection insurance.
  • DEATH BENEFITS: Death and taxes are a fact of life, and tax cannot be avoided even by dying. We cover the super death benefit rules in detail and present tax strategies you may wish to consider.

FEATURES

Labor’s franking credits policy will reduce income for low and middle earners

In this article, I dig into this subject in more detail, particularly for those who hold their shares directly in their own names, to show what the ALP proposal really means and how it would operate.

Read more

How long you can expect to live, and what it means for your super

Life expectancy is a complex topic, so we’ve put together a straightforward guide to help explain the key concepts – enabling you to plan your retirement with a bit more confidence.

Read more

‘Today’s Dollars’: The impact of inflation on retirement income

Planning for your retirement and working out how much you’ll need to enjoy a good standard of living after your working years can be a complex task, and one factor that needs to be considered is inflation.

Read more

A simple guide to what tax is payable on super death benefits

When you die, the tax man can be pretty quick to put his hand out to take his cut, and this also applies to the balance of your super account.

Read more

WILL YOUR MONEY LAST AS LONG AS YOU? (UPDATED FIGURES)

Retirement cost of living: How much does a comfortable lifestyle cost?

Knowing what and where you will spend will make retirement planning much easier, and help you avoid retirees’ biggest fear: outliving their savings.

Read more

How much super do I need to retire?

The amount of super YOU need to retire will depend on your personal circumstances, financial resources both inside and outside super and your lifestyle. So before you set an arbitrary super target, block out the fearmongers and think about the big picture.

Read more

What age should I retire?

The decision about when to retire is rarely made overnight. It’s a major life event and deserves careful thought and planning. Finances play a big part, but so do your health, your partner’s circumstances and whether you still enjoy your work or are itching to leave.

Read more

How much super do I need to retire on $100,000 a year?

The widely-reported ASFA Retirement standard suggests couples can enjoy a ‘comfortable lifestyle’ on just over $60,000 a year while singles can do the same on around $43,000. If that sounds less than comfortable to you, perhaps an income of $100,000 a year is closer to the mark.

Read more

Super to income Reckoner

SuperGuide’s Super to income Reckoner can help you quickly and simply understand approximately how much retirement income your super savings might be able to generate.

Read more

Is $1 million in super enough to retire on?

A million dollars is often bandied about as the gold standard of retirement savings. It certainly sounds like a lot of money, but is it enough to retire on not just comfortably but in style?

Read more

Is $1.6 million in super enough to retire on?

Since 1 July 2017 there has been a $1.6 million limit on the amount you can transfer into a super account in pension phase. The question is, is this an arbitrary figure dreamed up by bureaucrats or is it enough for a dream retirement?

Read more

CHEAPEST INSURANCE

Super funds with the lowest fees for life and TPD insurance

Life insurance premiums inside superannuation are on the rise due to legislation making insurance opt-in for young members, inactive accounts and low balance accounts.

Read more

Super funds with the lowest fees for income protection insurance

The cost of Income Protection insurance has increased sharply, but some super funds are bucking the trend.

Read more

SMSF Q&As

The definitive SMSF guide to franked dividends

You can receive a tax credit by buying shares in Australian companies that pay franked dividends. Dividends paid to shareholders by Australian resident companies are taxed under a system known as imputation.

Read more

What is a re-contribution strategy and how can I use it with my super?

Re-contribution strategies are all about how to withdraw money from your super account and re-contributing it to save tax. Here’s a simple explanation and 10 points to consider before taking the plunge.

Read more

SMSF investment rules: What every trustee should know

An SMSF is a very attractive superannuation savings vehicle but it also comes with plenty of responsibility for anyone that signs up to being a trustee.

Read more

Life insurance through super: A definitive guide

Insurance cover through your super fund offers cost effective protection for your family if you die. Here’s a simple guide to death cover, with a checklist of issues you need to consider

Read more

Guide to SMSFs and insurance

SMSF trustees regularly need to assess whether each member of their fund has an appropriate level of insurance. In this article we look at whether there are benefits having insurance inside your SMSF rather outside your super fund.

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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