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Home / SuperGuide newsletters / October 2020 newsletter

October 2020 newsletter

Latest super fund performance, Best and worst performing funds, Super tips for every age, Latest sustainable investment score card, Accessing super, What to do when the market tanks

Highlights of the October 2020 edition of the SuperGuide Premium newsletter include:

  • IS YOUR SUPER FUND FIT FOR PURPOSE? Stockspot’s annual Fat Cat Fund Report has weighed the contestants and guess what – the higher the fees the lower the returns. Check out the fit and the feeble.
  • SUPER TIPS FOR THE AGES: Super is a marathon not a sprint, but like any long-distance runner, it’s important to check your vital signs at milestones along the way.
  • WOMEN’S RETIREMENT SAVINGS NOT SO SUPER: The recent federal Budget was criticised for the lack of initiatives to help women close the gender work, pay and savings gap. But some super strategies can help.
  • THE INEXORABLE RISE OF SUSTAINABLE INVESTMENTS: Even before Rio Tinto blew up Juukan Gorge, the writing was on the wall. Investors are voting with their feet and flocking to investments that do good, not harm.
  • RETIREE SURVIVAL KIT FOR MARKET STORMS: A big market fall when you have just retired, or are close to it, can derail the best-laid plans. The best form of action is not reaction, but planning.
  • THINKING OF A SEACHANGE OR TREECHANGE? Let’s face it, after the year we’ve had who isn’t. Retirement expert Jill Weeks gives some practical tips for a successful move.

SUPER NEWS

Super news for October 2020

One-off super amnesty a success, Customers remain satisfied with super funds, Latest statistics for SMSFs, ASFA supports 40:40 Vision campaign, Early Release Scheme data, Cybersecurity matters more than ever.

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Super fund performance: Monthly returns to January 2021

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

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Fit cats and fat cats: Which are the best and worst super funds?

Tracey Spicer talks to Chris Brycki from Stockspot about their annual Fat Cat Funds Report which assesses the best and worst performing super funds.

Read more

IN CASE YOU MISSED IT

See also our coverage of the 2020 Federal Budget.


SUPER TIPS

Super tips and strategies if you are in your 20s

When you’re in your 20s, retirement can seem a long way off, but there are some important things you can do. Here are our 10 top tips to ensure your savings stay on the right track.

Read more

Super tips and strategies if you are in your 30s or 40s

You’ve barely reached mid-career and retirement can still seem a long way off. But there are some important things you need to check when it comes to your super, so here are 10 top tips to help ensure your retirement plans are on track.

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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.

Read more

Super tips and strategies if you are in your 60s or 70s

In your 60s and 70s, super is still very important. There are important decisions to make and you need to keep a close eye on how your super investments are performing. Here are some tips on what to keep an eye on.

Read more

SUPER FOR BEGINNERS

How super works: A beginner’s guide to superannuation

However well you think you understand superannuation, it always pays to refresh yourself on the basics.

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The easy way to find and consolidate your lost super

Learn how you can easily find your lost or unclaimed super and transfer it to another super account.

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How to compare super funds in 7 easy steps

Superannuation is a long-term investment but that doesn’t mean you can afford to put off thinking about it indefinitely.

Read more

Super investing for beginners

Just because we may be compelled to have superannuation, is no reason to leave it to its fate. In fact, playing a role in how your super is invested is one of the key ways we can influence its outcome. Here we break down the key concepts to help you gain confidence with the investing side of super.

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Women and super: How to beat the odds

When it comes to super, it’s still a man’s world. That means it’s up to women to even the score. We show you how.

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SMSFs

SMSFs: Sustainable investing just got personal

The year 2020 has been a turning point for sustainable investing on so many levels. COVID has brought to the forefront of investors’ minds considerations such as how companies treat their staff, as well as numerous other environmental, social and governance (ESG) issues.

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SMSFs and cryptocurrency investments

Now that some of the initial hype has gone out of cryptocurrencies, it’s a good time to take a clear-eyed view of their investment potential.

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SMSFs: Investment property tax deduction mistakes to avoid

Property investment is popular with SMSFs, so it’s important to understand what your fund can and can’t claim as investment property tax deductions.

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SMSF investment rules: Collectables and personal use assets

If you are a passionate collector or connoisseur, then you may be able to use that knowledge to boost your retirement savings.

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SMSFs reserves: What are the rules?

There are legitimate reasons for maintaining reserves in your SMSF, but the ATO is keen to point out that avoiding tax is not one of them.

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ACCESSING YOUR SUPER

What age can I access my super (Preservation Age)?

There are a series of hurdles you need to clear before you can access your super. The first is your age.

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Accessing super: Reaching preservation age and retiring

You satisfy the retirement provisions of Australia’s super legislation if you have reached your preservation age, you have ceased gainful employment and you have no intention of becoming gainfully employed again in the future.

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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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Accessing super: Reaching age 65

You can access your super in Australia when you turn 65. It is the most straightforward condition of release. To apply for your super benefits you should contact your super fund.

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RETIREMENT PLANNING

What to do if the market tanks and you’re retired, or close to it

These are challenging times for investors, especially if you’re about to retire or already drawing on your super.

Read more

Video: The first steps to planning your retirement

Bruce Manners from retirenotes.com talks to Tracey Spicer about some of the key factors that people need to consider when planning their retirement, the importance of passions, interests and priorities and how to test-drive your own retirement.

Read more

Video: Where is a good place to retire?

Tracey Spicer talks to Jill Weeks, co-author of the book Where to retire in Australia about popular retirement towns across the country, and what to consider if you thinking about a seachange or treechange.

Read more

Perspectives on retirement

As a retirement coach I help people with their emotional (non-financial) journey to a fulfilling retired life. The definition of a ‘fulfilling retired life’ is very personal, which means it can’t be defined by a checklist.

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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