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Superannuation and retirement planning information

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Home / super and tax

Tax in SMSFs and regular super funds: Which is better?

February 11, 2021 by Janine Mace Leave a Comment

All super funds pay the same tax rate, but there are differences in the ability of SMSFs and large super funds to manage their tax liabilities for the benefit of members.

Super for beginners: How superannuation is taxed

December 3, 2020 by Barbara Drury Leave a Comment

This article broadly explains how superannuation is taxed, including when you make contributions, as your super grows, and when you access your super.

Income tax: Australian tax brackets and rates (2020/21)

October 9, 2020 by Barbara Drury 2 Comments

Learn the Australian income tax rates for 2019/20 and 2020/21, as well as details on how income tax is calculated, deductions, offsets and levies.

How the Division 293 tax works: Super surcharge for high earners

September 1, 2020 by Janine Mace Leave a Comment

High income earners need to watch they don’t incur an extra 15% tax on their super contributions under the Division 293 rules. Here’s a simple guide to everything you need to know.

Your tax guide to accessing your super under age 60

July 16, 2020 by Janine Mace Leave a Comment

Although you can retire and access your super if you’re under age 60, the tax man is going to want his cut, so ensure you understand the rules before acting.

Your tax guide to accessing your super over age 60

July 16, 2020 by Janine Mace Leave a Comment

Knowing how much tax you’ll pay when you withdraw your super savings is important and the rules change once you reach age 60.

How do tax-deductible superannuation contributions work?

February 1, 2020 by Barbara Drury Leave a Comment

Making a tax-deductible super contribution can be a great way to boost your retirement savings. Find out whether they could be the right strategy for you.

Proportioning rule and super tax: What it is and why it matters

July 12, 2019 by Janine Mace Leave a Comment

When it comes to your super benefits, tax is always at the heart of it, whether it’s when you make a contribution, or when you take your money out at the other end.

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

July 12, 2019 by Janine Mace 1 Comment

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.

What are unrestricted and restricted non-preserved super benefits?

April 5, 2019 by SuperGuide Leave a Comment

Non-preserved super benefits can be either unrestricted or restricted. Unrestricted non-preserved benefits are the most common type. You will have these benefits if you are a member of a super fund and have satisfied a condition of release. If you do, you’ll be able to access your super on demand as either a lump sum or a pension.

SMSFs and capital gains tax (CGT)

April 5, 2019 by Penny Pryor Leave a Comment

Capital gains and their potential tax liabilities need to be an important part of investment decision making for an SMSF. Careful consideration and planning of when capital gains, and losses, may be realised can have a significant impact on an SMSF’s balance.

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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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