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Home / SuperGuide newsletters / September 2019 newsletter

September 2019 newsletter

Age Pension increase, How to read your super statement, Risk and diversification, latest super news and performance

Highlights of the September 2019 edition of the SuperGuide Premium newsletter include:

  • AGE PENSION INCREASE: The Age Pension rates increase from 20th September. We detail the new rates and thresholds and our Age Pension calculator has been updated so you can estimate how much you may now be entitled for. You can even test your Age Pension knowledge with our new quiz.
  • HOW TO READ YOUR SUPER STATEMENT: Millions of Australians will soon be receiving their annual super statement. We list what you should check to make sure your super is working for you.
  • 5 WAYS SEQUENCING RISK IMPACTS YOUR RETIREMENT: If you’re close to retiring, you need to understand about sequencing risk and what you can do to mitigate it. In a separate article Barbara Drury gives you some ideas on what to do if the market crashes when you are in or nearing retirement.
  • INVESTMENT RISK AND DIVERSIFICATION: Risk is part of life and investing. It’s necessary but with some knowledge you can use it to your advantage. In separate articles we look at nine key investment risks and how the big super funds diversify.
  • SUPER STRATEGIES AFTER LOSING YOUR SPOUSE: WHAT ARE THE RULES? Nobody wants to plan for loss but putting a strategy into place now can make a difficult time easier and more financially secure.
  • LATEST SUPER NEWS AND PERFORMANCE: We provide a snapshot of the key super news for September, and the median super fund performance to the end of August.

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

5 ways sequencing risk affects your retirement

Find out about the dangers of sequencing risk and strategies that can help defend against it.

Read more

Financial advice: We want it, but we don’t trust it

Australians want financial advice but are suspicious of the costs and integrity of financial advisers. With numbers of financial advisors falling and the increasing cost of advice, where does that leave us?

Read more

3 very different types of retirement

Increasingly, there’s no such thing as a typical retirement. We talk to three different people whose retirement turned out a lot differently than they planned for.

Read more

Super strategies after losing your spouse: What are the rules?

Making decisions about money at an emotionally difficult time can be challenging. Putting in place strategies when you are both fit and well can help in the future. We look at three different scenarios that can help save you money and may reduce tax liability.

Read more

Have you got an exit plan? The importance of estate planning

How to make sure the people you love get the inheritance you had planned for them.

Read more

SUPERANNUATION

Can I return to work after I access my super?

We look at the rules that apply if you change your mind about heading back to employment after retiring.

Read more

Is super better or worse than ever?

Super for Aussie workers has come a long way in the last 150 years. We look at the highs and lows of super since it was first put in place to see if it still stacks up.

Read more

Super news for September 2019

This month we look at rising mortgage stress for retirees, Fat Cat Funds results, the suburbs with the most unclaimed super and the Better Retirement Outcomes report on super balances.

Read more

10 points to check on your annual super fund statement

Checking your annual super fund statement is important. Here are 10 key points you need to review to ensure your super fund is working hard for you.

Read more

SUPER INVESTING

9 investment risks and how they can affect your super

Knowledge, as they say, is power. Find out the ways your super can be impacted by risk so you can, where possible, reduce your exposure.

Read more

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

Why big super funds diversify and what you can learn from it

Diversification can be one the biggest protections against investment risk. We look at how smaller investments can learn from what the big funds do.

Read more

SMSFs

New contribution rules help bump up SMSF balances and reduce tax

We look at two strategies that can help boost your SMSF and reduce your taxable income.

Read more

Multi-generational SMSFs: Benefits and pitfalls

Is it a good idea to have a family SMSF? We look at the pros and cons of being a family that saves together.

Read more

The advantages of using MDAs in an SMSF

MDA’s are increasingly popular – we look at what they can offer and what situations they can really work in.

Read more

AGE PENSION – NEW RATES AND THRESHOLDS

Age Pension rates (March 2020 to March 2021)

Age Pension rates increased on 20 March 2020. This article also explains how the Age Pension works, and includes the latest Age Pension rates for residents, non-residents, and the transitional Age Pension.

Read more

Age Pension calculator: How much could you be eligible for?

Our Age Pension calculator gives you an indication of potential Age Pension entitlements. The Age Pension rates are those that apply from 20 March 2020 to 19 September 2020.

Read more

Age Pension income test limits (July 2020 to March 2021)

A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”.

Read more

Age Pension assets test limits (July 2020 to March 2021)

This article details the rules and limits of the Age Pension assets test (how much your savings and other assets are worth), which is one half of the means test (along with the income test) that determines how much Age Pension you could be eligible for.

Read more

Quiz: Age Pension rules

Take our 10-question quiz to test your knowledge on the Age Pension rules.

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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Important: Disclaimer

All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs.

You should consider whether any information on SuperGuide is appropriate to you before acting on it.

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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