September 2020 newsletter

Lifecycle funds are designed to reduce risk as you near retirement without sacrificing returns; recent research shows many do just that but you need to know what to look for.

Your annual super fund statement provides a useful snapshot of where you are on the road to retirement and if you’re on track to reach your destination – you just need to know where to look.

Most Australians can choose which super fund they want their employer’s super contributions paid into, but there are exceptions. We explain who is, and is not, free to choose and how to go about it.

Chasing your unpaid super contributions can be difficult but there are things you can do to get the money you’re owed and ensure your super account keeps growing.

High-income earners pay extra tax on their concessional super contributions, so it’s important to understand the rules.

High-income earners face a quarterly cap on the amount of income on which their employer must make SG contributions. Here’s the limit for 2024–25.

If you’re on a part-Age Pension, or just miss out on one, you may be able to increase your pension entitlements with some of these perfectly legitimate strategies.

A common question for Australians planning their retirement is if, and when, they will be eligible for the Age Pension.

If you could do with some help with your finances but can’t afford a professional adviser, all is not lost. Free financial advice and digital tools are out there if you know where to look.

The number of SMSF trustees who have unmet advice needs is growing, but upcoming reforms and new technology offer the prospect of improved affordability and access.

Tracey Spicer talks to Deborah Kent from Integra Financial Services about the pros and cons of SMSFs, and how ethical investing is becoming more popular.

With the cost of living on the rise, it’s worth making the most of the government discounts and services for older Australians in your state or territory.