SuperGuide
Join now
Log in
  • Super boosterGetting the most from your super means understanding how it works and knowing how to choose the right fund. Super Booster brings both these crucial areas together in one place – designed to help everyday Australians unlock smarter saving, strategic investing, and more confident decision-making.
    • Super essentials
    • Super fund essentials
    • Super investing
    • Super contributions
    • Super and tax
    • Super resources
  • Retirement plannerPlanning for retirement can seem daunting but putting it off can cost you a personally fulfilling, financially secure retirement. Superguide’s range of retirement planning resources helps you to understand the key issues and provide you with valuable guidance on strategies that can improve your retirement income, including case studies. It’s never too early to start preparing for a stage of your life that could last more than three decades – a long time to regret missed opportunities. You may like to begin using the seven easy steps in how to plan for your retirement which include imagining what your dream retirement looks like and thinking about how long it may last, what it will cost, whether your savings are on track, and what you can do to close the gap. And if you need a little help tailoring strategies to your circumstances, take a look at our guide to seeking financial advice.
    • Getting startedIn this section you can learn about the fundamentals of planning for your retirement. Whether you are an absolute beginner or want to refresh your understanding of the key concepts, you can discover articles that will help you understand better how to plan for retirement and what you need to consider.
    • Retirement planning strategiesIn this section you can learn about the most critical retirement strategies you should consider when planning your retirement. There are tips and strategies to suit a range of age groups, whether you have many years left to save or need to get ready to retire in a hurry, including approaches that can help make your savings last the distance. You’ll also find planning ideas if you’re thinking of retiring overseas or own a business.
    • Case studiesHere you can find worked examples of retirement plans for a range of circumstances. These will help you see how different strategies can apply in the real world. There are also reflections from current retirees who share their lived experience and what they might have done differently.
    • CalculatorsIn this section you can discover some of the calculators and reckoners that SuperGuide have developed to make superannuation and retirement planning easier to understand. We also show you how to use some of the other retirement calculators available, review how reliable they are, and give you tips on how to choose one the right one for you. See also SuperGuide’s Investment Performance Reckoners.
    • Seeking financial adviceAustralians are generally reluctant to seek professional financial advice, despite the financial landscape (including the retirement system) becoming increasingly complex. The right financial advice can help you to get the most out of your superannuation. Advice doesn’t have to be expensive, particularly if you have simple needs. Your super fund may even be able to offer you the help you require. It’s important to know whether any financial advice you receive is independent or not. Advisers are legally required to provide you with a financial services guide that will let you know this information. Independent financial advice can be broadly defined as advice that is impartial or unbiased. It is provided without any potential for a conflict of interest. The resources here explain the value of advice, how to access it, and what to avoid.
    • Preparing for retirementIt’s nearly time! After years of saving and (hopefully) planning, retirement is just around the corner. Here you can find strategies that could help you to give your super a last-minute boost and insight into the risks that could throw your plans off the rails – and what to do about them.
  • RetireeRetirement is meant to be a reward for hard work, a time to kick back and do a bit of what you fancy. It’s all that, but it is also a time when many decisions and choices need to be made. SuperGuide’s retirement articles cover everything from taking your super as a lump sum or an income stream (also called a super pension) to what happens to your super when you die. We even have a handy calculator to help you estimate how long you can expect to live. Along the way, we also examine working in retirement, a guide to the Age Pension eligibility and payment rates and eligibility for concession cards for seniors and pensioners. And if the very thought of all these decisions makes your head spin, we have a guide to seeking independent financial advice. Set out below are the key topics in retirement: Super lump sums Super pensions Age Pension Working in retirement Life in retirement Seniors concessions and services Aged care Estate planning Super death benefits As a first step, the following are key articles that tackle the big issues in retirement.
    • Accessing superConverting your superannuation to a pension is an option if you have reached your preservation age and met a condition of release. Your preservation age is between 55 and 60, depending on your date of birth. Standard conditions of release for super pension withdrawals are: retirement, beginning a transition-to-retirement income stream, ceasing an employment arrangement after the age of 60, even if you get a job with a new employer, turning 65 years of age, becoming permanently incapacitated, being diagnosed with a terminal medical condition. Your dependants can also be entitled to access your super as a pension when you die if you have arranged for this to happen, though there are likely to be tax implications. There are six main types of super pension: Account-based pension: This is the most common type of pension. The pension is paid from a super account held in your name. Annuities: Annuity payments are purchased with a lump sum and enable fixed payments for the remainder of your life or for a defined period. The value of account-based pensions on the other hand can rise or fall depending on the market value of the underlying investments supporting them. Transition-to-retirement pension (TTR or TRIS):…
    • Managing super in retirementManaging your retirement income is about more than just drawing a regular pension payment. It involves deciding how and when to access your super, understanding how long your savings might need to last, and weighing up whether to use lump sums, annuities, or other income sources outside super. The right strategy can help reduce tax, improve Centrelink outcomes, and give you more flexibility and peace of mind
    • Age PensionThe Age Pension eligibility age in Australia is currently 66 years and 6 months, increasing to 67 from 1 July 2023. In addition to the age requirement, your eligibility for the Age Pension depends on you: Being able to satisfy the Age Pension assets test, Being able to satisfy the Age Pension income test, and Meeting Australian residency requirements. You will be eligible to receive either a full or part Age Pension provided your assets or income don’t exceed the thresholds of the respective tests, and you also satisfy both the age and Australian residency requirements. It’s important to understand that your super may be included in both your asset and income tests, and can therefore affect your potential Age Pension eligibility. It’s possible to earn up to earn up to $300 per fortnight from paid employment without this amount being included in your Age Pension income test. This is known as the work bonus. Age Pension rates for singles and couples (married or de facto) are adjusted very six months based on changes in the Consumer Price Index (CPI), Male Total Average Weekly Earnings, and the Pensioner and Beneficiary Living Cost Index. See also our seniors concessions and services…
    • Other income in retirementRetirement is a condition of release to access your super once you have reached your preservation age. Your preservation age is between 55 and 60, depending on your date of birth. Once you have made a written declaration to your super fund that you are officially retired, the contributions you can make into your super account are much more limited and depend on your age. However, it’s possible to return to work even if retirement was your condition of release. If you’re aged under 60, you can return to work provided you can prove that your intention to retire was genuine when you made it. For example, your personal circumstances may have changed since you retired. You may need to provide proof of these changed circumstances to the ATO or your super fund. However you won’t be able to access any further super benefits that you accumulate from that point in time until you meet another condition of release. You can still access what you had accumulated up to that date. A transition-to-retirement pension is also an option you can consider once you have reached preservation age. If you’re aged between 60 and 64 and retirement was your condition of…
    • Seniors concessions and servicesWhen you retire there is bound to be a tighter focus on living within your means, even if you are comfortably well off. With bills to pay and increasing health care costs for many retirees, any discounts or rebates are always welcome. And with cheap travel and bargains on products and services on offer, what’s not to love? The good news is you don’t necessarily need to be on the Age Pension to qualify for some handy concessions. You may not even have to be fully retired.
    • Life in retirementAdvice about retirement planning is often reduced to financial targets and your superannuation account balance. And that’s a pity. While a degree of financial security is necessary to live well in retirement, it’s not sufficient. Retirees and experts alike point to the importance of your health, relationships, social connection and the pursuit of new skills and interests for a sense of wellbeing in retirement.
    • Later life planningLater life planning brings together two often overlooked but essential parts of retirement: aged care and estate planning. It covers how you want to be cared for if you’re unable to make decisions for yourself, and how your assets should be managed and distributed after your death.
  • SMSFsAs if superannuation wasn’t complex enough, when you have a self-managed superannuation fund (SMSF) you take on considerably more responsibility, and it’s essential therefore to have a comprehensive understanding of the current super and SMSF rules. In this section you will find detailed explanations of the SMSF rules and the responsibilities for SMSF trustees. SMSFs for beginners SMSF administration SMSF checklists SMSF compliance SMSF investment SMSF pensions SMSF strategies SMSF Q & As As a first step, the following are key articles that describe how SMSFs work.
    • SMSF for beginnersIn this section you will gain an understanding of the basics of self-managed superannuation funds (SMSFs). We’ll take you through the key responsibilities in being a SMSF trustee, help you to evaluate if a SMSF is right for you, and give you an idea of how much it might cost to run a SMSF. You can also test your understanding of SMSF basics with our quiz.
    • SMSF admin and complianceAll Self-Managed Superannuation Funds (SMSFs) must have a trust deed, a document which sets out the governing rules of that particular SMSF. Trust deeds can vary from document to document, and can also be amended over time, so it is vital that you understand and abide by the rules governing your SMSF. In addition to the trust deed, SMSFs are subject to the provision of the Superannuation Industry (Supervision) Act 1993, which imposes legal obligations on how SMSFs must be operated. These laws and regulations may, in certain circumstances, take precedence over your trust deed, so a sound understanding of the rules is a prerequisite for any SMSF trustee. In this section you’ll learn how to comply with obligations such as: residency requirements, developing an investment strategy and ensuring that all investment decisions are consistent with it, considering member insurance needs, only accepting contributions from fund members, making super benefit payments only to members who have met a condition of release, monitoring total super balance and transfer caps, administration, reporting and record-keeping requirements, appointing a registered auditor, and lodging the fund’s annual return to the Australian Taxation Office (ATO) and paying tax, to name but a few compliance and administrative…
    • SMSF investingPeople who run their own self-managed super fund (SMSF) often do so because of the control it gives them over their investments and investment strategy. With that control comes lot of responsibility. You need to understand the nature of the investments on offer, and how they fit into your overall investment strategy. It can also be instructive to see what other SMSFs are investing in. Then there is the legal requirement for SMSFs to have a documented investment strategy. This should satisfy the sole purpose test and be used to guide trustee decision-making. See also superannuation investment strategies and our section on risk.
    • SMSF pensions and lump sumsSelf-managed superannuation funds (SMSFs) can pay whatever benefits are allowable by their governing rules (trust deed). Most typically, this allows SMSFs to pay benefits as either lump sums or pensions. In addition to the different types of payments that a SMSF can make, in this section you will learn about the process of starting a pension, transitioning from the accumulation phase into the pension phase, and all the steps that are required as a SMSF trustee to commence a pension. You will learn all about the importance of exempt current pension income (ECPI) and how to ensure that you maximise this valuable benefit. You may also need to be aware of the transfer balance cap, and how to navigate these complex rules. For those who have reached preservation age and would like to commence a pension while still retaining a connection to the workforce, a Transition-to-retirement (TTR) pension might be worth considering.
    • SMSF estate planningSelf-managed superannuation funds (SMSFs) allow for a high level of flexibility in the management of a person’s superannuation benefits upon passing. Careful planning can allow your SMSF benefits (which are not automatically estate assets) to be passed onto those dependants who you wish to benefit, in the most efficient and tax effective way possible. In this section you will learn the key concepts behind robust estate planning for SMSF trustees, and how to take advantage of the greater control accorded to SMSFs in passing on wealth from an SMSF.
    • SMSF strategiesIn this section you can learn about tips and strategies you can consider for your SMSF, including multigenerational SMSFs, how to make decisions at different life stages and what are your options when you would like to wind up your SMSF. Also covered are investing strategies such as assessing passive vs active strategies, rebalancing and which assets are popular with SMSFs.
    • SMSF checklistsIn this section you will find a series of handy checklists to help make running your Self-managed superannuation fund (SMSF) a breeze. Our checklists will help you write or review the fund’s investment strategy, start a pension or just make sure you have all the important calendar dates you need to stay on top of things. You may also benefit from our how-to guides and our step-by-step guides.
Newsletters
Saved guides
Step-by-step guides
Webinars

Sitemap

Sections

  • Retiree
    • Accessing super
    • Age Pension
    • Later life planning
    • Life in retirement
    • Managing super in retirement
      • Best performing pension funds
    • Other income in retirement
    • Seniors concessions and services
  • Retirement planner
    • Case studies
    • Getting started
    • Preparing for retirement
    • Retirement planning strategies
    • Seeking financial advice
    • Super and retirement calculators
  • SMSFs
    • SMSF admin and compliance
    • SMSF checklists
    • SMSF estate planning
    • SMSF investing
      • Most popular investments for SMSFs
      • SMSF investment options
      • SMSFs and property
    • SMSF pensions and lump sums
    • SMSF strategies
    • SMSFs for beginners
  • Super booster
    • Super and tax
    • Super contributions
    • Super essentials
    • Super fund essentials
    • Super investing
    • Super resources
      • Employers guide to super

Special features

  • Case studies
  • Coronavirus and superannuation
  • Federal Budget and superannuation
  • Government reviews of superannuation
  • How-to Super Guides
  • Leaving or living outside Australia
  • Opinion
  • Retirement calculators and reckoners
  • Retirement planning strategies
  • SMSF checklists
  • SMSF Q and As
  • SMSF strategies
  • Super quizzes
  • Super tips and strategies
  • Superannuation checklists
  • Superannuation contributions strategies
  • Superannuation Q and As
  • Taking a super lump sum
  • Types of investments for superannuation
  • Video
  • Women and super

Articles

  • Best performing super and pension funds: Understanding the 5 risk categories
  • Case study: High earners near retirement aim for six-figure income and tax-free inheritance
  • Home Equity Access Scheme (HEAS) explained
  • How do I transfer a UK pension to an Australian super fund?
  • What are lifecycle super funds, and how do they perform?
  • MySuper funds: What they are and who offers them
  • What to check on your annual super fund statement
  • How to deal with lost paperwork in your SMSF
  • Preparing for the annual meeting with your SMSF’s accountant
  • Which SMSF expenses are tax deductible?
  • Webinar: SuperGuide members Q&A: September 2025
  • Pension fund performance: Monthly returns to July 2025
  • Super fund performance reckoner: Monthly returns for 5 investment categories
  • Super fund performance: Monthly returns to July 2025
  • How to boost your spouse’s super balance (including calculator)
  • Financial advice through super funds: What’s on offer?
  • Commonwealth Seniors Health Card: Eligibility and how to apply
  • Age Pension calculator (September 2025 update)
  • Super news for August 2025
  • Age Pension assets test rules (from September 2025)
  • Age Pension rates (September 2025 to March 2026)
  • Age Pension income test rules (from September 2025)
  • Deeming rates (2025-26) and calculator for the Age Pension income test
  • My retirement diary (Part 6): Light at the end of the tunnel
  • How to recontribute your COVID-19 early release super
  • What to know before taking a lump sum from super
  • Making sense of pension drawdown strategies
  • What age should I retire?
  • How to plan your spending through the 3 stages of retirement
  • Financial advice: What are the risks and benefits?
  • Downsizer super contributions: Rules and eligibility
  • Pension fund rankings: Conservative category (21–40%)
  • Pension fund rankings: Balanced category (41–60%)
  • Pension fund rankings: Growth category (61–80%)
  • Pension fund rankings: High Growth category (81–95%)
  • Pension fund rankings: All Growth category (96–100%)
  • Super fund rankings: High Growth category (81–95%)
  • Super fund rankings: Balanced category (41–60%)
  • Super fund rankings: Growth category (61–80%)
  • Super fund rankings: All Growth category (96–100%)
  • Best performing pension funds: Conservative category (21–40%)
  • Best performing pension funds: Balanced category (41–60%)
  • Best performing pension funds: Growth category (61–80%)
  • Best performing pension funds: High Growth category (81–95%)
  • Best performing pension funds: All Growth category (96–100%)
  • Best performing super funds: Conservative category (21–40%)
  • Best performing super funds: Balanced category (41–60%)
  • Best performing super funds: Growth category (61–80%)
  • Best performing super funds: High Growth category (81–95%)
  • Best performing super funds: All Growth category (96–100%)
  • My retirement diary (Part 5): The psychology of retirement
  • How the First Home Super Saver (FHSS) scheme works
  • Designing a fulfilling retirement: Insights from coach Dr Jon Glass
  • Should you fully withdraw super prior to death to minimise tax payable by your beneficiaries?
  • Your tax guide to accessing your super under age 60
  • Your tax guide to accessing your super over age 60
  • What to do if your SMSF gets a breach notification from the ATO
  • 3 steps to making a complaint about your super fund
  • Who to turn to if you have a problem with your financial adviser
  • SMSFs and cryptocurrency investments
  • Tax-saving strategies only available to SMSFs
  • Super fund mergers: What does it mean for members?
  • 8 warning signs of a dodgy financial adviser
  • Webinar: Super contributions workshop
  • Webinar: The recontribution strategy: Opportunities and strategies to get the best outcomes
  • Pension fund performance to June 2025
  • How long does my super need to last in retirement?
  • Super fund performance: Annual returns to June 2025
  • Super contributions eligibility checker
  • Super news for July 2025
  • Reducing tax on capital gains with super contributions
  • Case study: Transferring shares into your SMSF (an in-specie transfer)
  • What on earth is an in specie transfer?
  • My retirement planning diary (Part 4): Crunching the numbers
  • Understanding the difference between your total super balance and your transfer balance cap
  • Division 296: How the new super tax works (including calculator)
  • Superannuation rule changes from July 2025 (and previous years)
  • Key superannuation rates and thresholds for 2025-26
  • Income tax calculator (2025–26 and previous years)
  • Is $2 million in super enough to retire on?
  • How much super do I need to retire on $100,000 a year?
  • How much super do I need to retire on $80,000 a year?
  • How much super do I need to retire on $50,000 a year?
  • Converting super into retirement income: What are your options? 
  • Employee super contributions for the self-employed and micro businesses
  • How lump sums can reduce your transfer balance account
  • What are the accumulation and retirement phases of super?
  • Quiz: Employer super responsibilities
  • Calculating your employees’ SG contributions? The rules to help get it right
  • Super Guarantee Charge for employers: What is it and what are my options?
  • Employer’s guide to Superannuation Guarantee contributions: Which employees are eligible?
  • Checklist for employers to master your super responsibilities
  • In your 70s? The super rules that apply to you
  • In your 60s? The super rules that apply to you
  • What strategies can I consider to reduce tax on a super pension paid from my SMSF?
  • Starting an SMSF pension checklist
  • What to teach your (big) kids about super
  • Common financial mistakes SMSF trustees make just before retirement
  • Super strategies after losing your spouse in retirement: What are the rules?
  • Planning to retire this year and start a super pension? Here’s what to consider
  • Non-concessional super contributions guide (2025–26)
  • Low Income Tax Offset (LITO): How it works
  • Starting a pension from your super
  • SMSF reporting and record-keeping requirements
  • How is my Total Superannuation Balance (TSB) calculated?
  • TBAR: Transfer balance account reporting for SMSFs
  • How carry-forward (catch-up) super contributions work
  • Transfer balance cap (TBC) for super pensions: How it works
  • Quiz: Planning for retirement
  • What to do if you exceed your super contributions caps
  • How the Division 293 tax works: Super surcharge for high earners
  • How superannuation works: Super for beginners guide
  • Australian income tax brackets and rates (2025-26 and previous years)
  • Minimum pension drawdown rates (2025–26) and calculator
  • How a transition-to-retirement (TTR) pension works
  • Bring-forward rule explained: How to make large super contributions
  • What to do if your employer doesn’t pay your super
  • How LISTO works (Low Income Superannuation Tax Offset)
  • Superannuation Guarantee contributions rate and rules
  • How to start a pension in your SMSF
  • How much super do I need to retire on $60,000 a year?
  • In your 50s or younger? The super rules that apply to you
  • Making superannuation contributions: Super for beginners guide
  • What is the maximum super contribution base?
  • How the government co-contribution scheme works (including calculator)
  • Concessional super contributions guide (2025-26)
  • Super death benefits and tax: What you and your beneficiaries need to know
  • Case study: Combining downsizer and non-concessional contributions
  • What happens when you meet a financial adviser
  • Commuting an SMSF account-based pension
  • What SMSF trustees need to know about exempt current pension income (ECPI)
  • Q&A: Can I make super contributions after commencing a pension?
  • Super news for June 2025
  • How to find a super financial adviser
  • Aged care reforms: Changes to services, increased costs
  • Case studies: Super death benefit nominations
  • Am I eligible for the Age Pension?
  • Age Pension Work Bonus: How it works and case studies
  • My retirement planning diary (Part 3): How much am I likely to spend in retirement?
  • SMSF investors: How to avoid getting scammed
  • How to avoid getting caught in the in-house asset trap
  • Can my SMSF loan money to me or my business?
  • Q&A: What account authority should my accountant have?
  • How to boost your SMSF’s immunity to cybersecurity threats
  • Election outcomes for your SMSF
  • Is it worth starting a pension from your super sooner rather than later?
  • Super funds of the year awards: Best super funds for 2025
  • Pension fund of the year 2025: What makes a winner?
  • Q&A: Do I have to take my SMSF pension as regular payments?
  • Q&A: Does the frequency of my employer contributions affect my portfolio growth?
  • Webinar: SuperGuide members Q&A: June 2025
  • Super fund rankings: Conservative category (21–40%)
  • Super news for May 2025
  • Super housekeeping tips for EOFY
  • How to take advantage of the increased Transfer Balance Cap
  • What’s the Carer Payment and am I eligible?
  • Q&A: Can non-concessional contributions be made if the Transfer Balance Cap has been reached?
  • Case study: When can I afford to retire?
  • The 7 biggest super mistakes – and how to avoid them
  • What are the super and Age Pension rules for same-sex couples?
  • My retirement planning diary (Part 2): My super fund-amentals
  • How SMSFs segregate assets in retirement
  • SMSF investing in private companies: Key rules to know
  • The why and how of direct investment super options
  • How super fund fees impact your net returns
  • Managing capital gains tax in your SMSF
  • EOFY: Getting your SMSF in order
  • Property development in your SMSF: What to consider
  • Salary sacrifice and super: How does it work?
  • Divorce and superannuation: How it works
  • Super news for April 2025
  • How much does financial advice cost?
  • The Age Pension when living apart: What you need to know
  • Webinar: 2025 year-end superannuation tips and traps
  • Super pensions: Trends in payment frequency, flexibility, fees and more
  • My retirement planning diary (Part 1): Donald you shrunk my retirement!
  • What’s the Carer Allowance and am I eligible?
  • Is $1 million in super enough to retire on?
  • Is $700,000 in super enough to retire on?
  • Is $500,000 in super enough to retire on?
  • How myGov can help you keep track of your super
  • Choosing a super fund: Does size really matter?
  • Mind over matter: The psychology of retirement planning
  • 5 strategies to help fix your total super balance problem
  • Which asset classes are popular with SMSFs?
  • SMSF property loan paid off? What next?
  • Women and super (Part 2): Strategies to boost your super in the lead up to retirement
  • Federal Budget March 2025 overview
  • How to apply for the Home Equity Access Scheme (HEAS)
  • Webinar: When can I access my super? All conditions of release explained
  • How much super do I need to retire?
  • How to buy a commercial property and lease it through your SMSF
  • SMSF property investment rules
  • A retiree’s dilemma: Pay off the mortgage or preserve super?
  • SMSF returns are competitive with large funds
  • Common ‘myth-conceptions’ about retirement income
  • Super news for March 2025
  • Which are Australia’s largest super funds?
  • Hidden perks that make your super account even better
  • How to invest in infrastructure through an SMSF
  • What to do if the market tanks and you’re retired, or close to it
  • How can I top up my super pension?
  • SMSFs reserves: What are the rules?
  • How much super do I need if I don’t own a home?
  • How to plan for your retirement
  • Webinar: SuperGuide members Q&A: March 2025
  • Do SMSFs rely too heavily on bank shares for dividend income?
  • What happens to my TTR when I turn 65?
  • Boost your Age Pension by topping up a younger spouse’s super
  • Super news for February 2025
  • Transfer Balance Cap indexation: Opportunities for SMSF members?
  • Case study: Self-employed single seeking a comfortable and secure retirement income for life
  • Tips to boost your super in retirement
  • Estate planning when your child has a disability: What can I do?
  • What is the cost of living in retirement in Australia?
  • Writing your SMSF investment strategy (including templates)
  • Can my SMSF invest in gold?
  • Retirement income rules of thumb: Do they measure up?
  • Tips to boost your super when retirement is approaching
  • What happens if I don’t pay the minimum pension from my SMSF?
  • SMSFs and insurance: Rules and considerations
  • Super or mortgage: Where should I put my extra savings?
  • Super fund performance reckoners: Annual returns for 5 investment categories
  • Super news for January 2025
  • What are the buy/sell spreads charged by my super fund?
  • What are unit pricing and crediting rates and why do they matter?
  • What are the penalties for SMSF non-compliance?
  • The role of cash and bonds in your portfolio and what’s available
  • Should retirees use their super to become debt free?
  • Tips to boost your super when retirement is a long way off
  • Webinar: Estate planning and superannuation
  • How long you can expect to live and what it means for your super
  • How to measure the financial impact of delaying retirement
  • How sequencing risk affects your retirement
  • Can I get free financial advice?
  • Case study: Should a wealthy retiree start a super pension or draw on non-super investments first?
  • 2024 year in review, 2025 year in preview
  • What is the Medicare Safety Net and am I eligible?
  • Where are we now? Pending and recent superannuation changes
  • What laws do SMSFs need to adhere to?
  • How to maximise your Age Pension
  • How to create an investment portfolio in retirement
  • 5 new year’s resolutions for your SMSF
  • Victorian Seniors Card: Benefits, discounts and how to apply
  • QLD Seniors Card: Benefits, discounts and how to apply
  • ACT Seniors Card: Benefits, discounts and how to apply
  • Tasmanian Seniors Card: Benefits, discounts and how to apply
  • Legacy pension relief for SMSFs
  • WA Seniors Card: Benefits, discounts and how to apply
  • SA Seniors Card: Benefits, discounts and how to apply
  • NT Seniors Card: Benefits, discounts and how to apply
  • Super news for December 2024
  • NSW Seniors Card: Benefits, discounts and how to apply
  • Webinar: Super strategies for 2025
  • Where to find retirement income in addition to super
  • Currency hedging for SMSFs
  • Saving for retirement outside super
  • How to navigate the different stages of retirement
  • Your super after death: How to get your savings into the right hands fast
  • Can you be your own SMSF accountant?
  • What happens to my Age Pension if I sell my home?
  • Reversionary pensions: What they are and how they work
  • What are the setup and running costs for an SMSF?
  • Your SMSF calendar for 2025
  • Real DIY super: How to keep SMSF costs super low
  • When can I access my super? All conditions of release explained
  • Webinar: SuperGuide members Q&A (December 2024)
  • Q&A: How can we reduce the super death tax for our beneficiaries?
  • Q&A: Can I move my pension to another provider?
  • Can I return to work after I access my super?
  • Super and pension fund performance: Where does your fund rank?
  • What is the sole purpose test, and how does it work?
  • Platforms and wraps: Benefits and downsides
  • Super news for November 2024
  • Modern retirement modelling: Increasing confidence in retirement planning
  • Are pension withdrawal rates safe?
  • Selecting a retirement income calculator
  • SMSF multiple pensions: Benefits and strategies
  • What are the lump sum withdrawal rules for SMSFs?
  • Q&A: I’m 63. Can I start a transition-to-retirement pension if I quit one of my jobs?
  • Which super funds offer income for life?
  • How to afford a ‘comfortable’ retirement with less super
  • Retiring early due to ill health? 6 steps to stay on track
  • Webinar: Advice options for planning your retirement
  • How do SMSFs invest?
  • Q&A: If I make bring-forward contributions, do I have to wait 3 years before I can start a pension?
  • Retirement: The goals are shifting
  • Case study: Recontribution of death benefits?
  • SMSF trust deeds: Rules, guidelines and updates
  • Super news for October 2024
  • SMSF insights 2024: Div 296, Superstream, ETFs and more
  • How to make the most of your super contributions
  • Common errors SMSF trustees make with their annual returns
  • Which super funds accept transfers from KiwiSaver accounts?
  • SMSF investing: 20 most popular LICs/LITs
  • SMSF investing: 20 most popular managed funds
  • SMSF investing: 20 most popular international shares
  • SMSF investing: 20 most popular Australian shares
  • SMSF investing: 20 most popular ETFs
  • Case study: Later-life divorcee using a transition to retirement strategy to rebuild super savings
  • Location the missing ingredient in retirement planning
  • Recontribution strategy case study: How super tax components impact estate planning
  • Super news for September 2024
  • Super fund fees and charges you need to know about
  • Investing an inheritance into super: What you need to know
  • How do tax-deductible superannuation contributions work?
  • How much can I afford to spend in retirement?
  • Lifetime estimator calculator
  • APRA’s performance test: Platforms miss the mark
  • Why it can pay to put as much as possible into super
  • Webinar: Super decisions at retirement: Income stream, lump sum, accumulation or a mix?
  • Balanced, Growth, Defensive: What’s in a name?
  • SMSF pension strategy: Lump sum payments
  • How to record SMSF minutes
  • The big picture: Focus on super’s long-term returns
  • Australian independent financial advisers: National list
  • Q&A: How do I ensure a lump sum is taken from the right pension account?
  • Webinar: SuperGuide members Q&A: September 2024
  • What are the current work test rules for super contributions?
  • Super news for August 2024
  • Need care at home? We look at where to find it and what it costs
  • Retiree reflections: “If I had my time over again, when would I retire?”
  • Case study: Mid-life average income couple dreaming of a travel-filled retirement
  • Q&A: Must super be paid out of an SMSF after the death of a spouse?
  • Transition-to-retirement strategies
  • Q&A: What are the benefits of spouse super equalisation strategies?
  • Top-performing sustainable super funds (to June 2024)
  • Top 10 Balanced super funds ranked by risk and return
  • Webinar: Buying property in an SMSF
  • Super news for July 2024
  • Case studies: How to make the most of higher contribution caps
  • How to invest according to your values and address climate risk in your SMSF portfolio
  • How much super should I have at my age?
  • Smashing senior stereotypes
  • SMSF statistics: 1.1 million members with $869 billion in super
  • Super recontribution strategy: How it works (including calculator)
  • What type of people have SMSFs?
  • How to consolidate multiple super accounts
  • Making super contributions after age 60: Even in retirement
  • How does SAPTO work? (Senior Australians and Pensioners Tax Offset)
  • Creating effective salary sacrifice arrangements with your employees
  • What is the retirement age in Australia?
  • Non-arm’s length expenditure (NALE) rules for SMSFs
  • Accessing super between 60 and 65
  • How the 15-year small business CGT exemption can help boost your super
  • Rules for setting up super and choice of fund for new employees
  • The small business CGT retirement exemption explained
  • Proportioning rule and super tax: What it is and why it matters
  • Case study: Making super contributions from compensation payments
  • Claiming a tax deduction for your employees’ super: What are the rules?
  • Quiz: Boosting your super with super contributions
  • Selecting your super fund: Can I make the choice?
  • How superannuation is taxed: Super for beginners guide
  • Preservation age explained: What it means for accessing your super
  • Can I live in my SMSF property?
  • Preservation age and transition-to-retirement pensions align
  • Director Identification Numbers: What is required for SMSFs
  • Planning to retire at 65? What you need to consider
  • How retirees are using home equity to boost income
  • How does your super affect the Age Pension?
  • Planning to retire at 60? What you need to consider
  • Planning to retire before turning 60? What you need to consider
  • How to wind up an SMSF
  • What does SuperStream mean for my SMSF?
  • Webinar: Transition-to-retirement pensions: The BOOM is coming
  • Super news for June 2024
  • Q&A: If I’m retired can I leave one of my two funds in accumulation?
  • Case study: Combining new retirement products to maximise retirement income
  • What to consider if you’re forced to retire early
  • Women and super (Part 1): How to grow your super in the early and middle years
  • Workforce age discrimination and what it means for your super
  • Death benefits Q&As
  • What do the 2024 tax cuts mean for your super contributions?
  • What is a self-managed super fund (SMSF)?
  • SMSFs: What is an actuarial certificate, and how much do they cost?
  • Retirement planning for couples
  • Webinar: SuperGuide members Q&A: June 2024
  • Federal Budget May 2024 overview: Superannuation and retiree announcements
  • Super news for May 2024
  • Q&A: If I have $1.9m in my super pension can I still make contributions?
  • Winding up an estate: 11 steps to help get the job done
  • Changing pace: Retiring and thriving together
  • What different types of financial advice should I consider?
  • SMSF setup guide: 9 steps you need to follow
  • The cost of residential aged care
  • Webinar: 2024 year-end superannuation tips and traps
  • Getting ATO advice for your SMSF: Rulings and fund specific advice
  • The $3 million super tax cap: What to consider with 1 year to go
  • Multigenerational SMSFs: Benefits and pitfalls
  • How to add a new member to your SMSF
  • How to boost your SMSF balance with contributions reserving
  • SMSF audits: Fees and guidelines
  • Managing retirement income with a bucket strategy
  • Q&A: Is there a loophole which allows a pension fund to go above the transfer balance cap?
  • Q&A: Is TBAR reporting required for lump sum payments?
  • Q&A: I’ve used the bring-forward rule, so when can I make more non-concessional contributions?
  • Super news for April 2024
  • Q&A: Is there a cap on total super balance when you have started a pension?
  • Q&A: Do I have to start a pension when I retire?
  • Introducing My Aged Care
  • Retirement cost of living: 10 tips to boost your finances
  • Q&A: How will the new $3m super threshold tax impact retirement planning?
  • The taper trap: Super and the Age Pension means test
  • What is the DVA (Department of Veterans’ Affairs) Service Pension?
  • Retiree reflections: What surprised me most when I retired
  • Contribution cap increases: Issues to consider
  • Should I close my super account when I retire?
  • Running multiple SMSFs: What are the pros and cons?
  • Aged care star ratings: Good but can do better
  • Super news for March 2024
  • How lifetime income products can help reduce the ‘taper trap’ for retirees
  • Q&A: Can I combine multiple pension accounts?
  • Asset valuation guidelines for SMSFs
  • Franking credits and dividend income: What SMSF investors need to know
  • Webinar: Strategies to split or share your super balance with your spouse
  • Protecting your super from cyber attacks and scams
  • How investing in infrastructure adds to your super returns
  • Worried about outliving your retirement savings? 9 steps that can help
  • Q&A: What can we do with excess funds if we need less than the minimum pension amount?
  • How inflation affects your retirement income
  • 7 retirement mistakes you don’t want to make
  • SMSF investing in related trusts and companies: Key rules to know
  • Can you rollover an SMSF pension to another fund?
  • Q&A: Timing for commencing a pension and minimum pension requirements
  • How to make your super more socially aware
  • How to use the TelstraSuper Lifetime Income Calculator
  • Estate planning and SMSFs: What it is and why it matters
  • What is a core and satellite investment strategy?
  • How to use the TelstraSuper Retirement lifestyle planner
  • Super news for February 2024
  • Getting to know your super fund and what it can do for you
  • SMSFs and financial advice: A matter of cost and trust
  • Retiree reflections: Does your housing meet your retirement needs?
  • What is a testamentary trust and does my Will need one?
  • 9 investment risks and how they can affect your super
  • Risk profiling and your investment choice
  • List of APRA-regulated superannuation funds
  • Does my SMSF need to register for GST?
  • Webinar: SuperGuide members Q&A: March 2024
  • Have you got an exit plan? The importance of estate planning
  • In-specie transfers out of an SMSF
  • How to get ready for retirement if you own a business
  • Retiring soon? Here are 5 questions you need to answer first
  • Super news for January 2024
  • Working in retirement: Busting the age barrier
  • Webinar: Death benefit nominations
  • How to work for longer to improve your retirement lifestyle
  • Passive versus active: Which investment style is best?
  • Should your life and disability insurance be inside super?
  • Insurance inside super: What you need to know and how to take control
  • How to use the Mercer Retirement income simulator
  • What are the SMSF residency requirements?
  • ATO SMSF supervisory levy: Cost and guidelines
  • Retirement bonuses explained: Does your super fund pay one?
  • Why aged care deserves to be part of your retirement plan
  • What are the key differences between SMSFs and public offer funds?
  • Retiring overseas: Implications for your super and tax
  • Webinar: Super strategies for your SMSF
  • Super news for December 2023
  • Should I retire overseas?
  • Calculate how to reach your super balance goal
  • Reverse mortgages: What are they and how do they work?
  • Super funds with the lowest income protection insurance premiums
  • Super funds with the lowest life and TPD insurance premiums
  • Boosting your super balance with Grow My Money
  • SMSFs and estate planning: Issues to consider after the death of a SMSF member
  • Consider these two risks before you start a super pension
  • Managing your super when you’re moving overseas: 5 steps for success
  • Reverse mortgage calculators: How-to guides
  • SMSF property tax deduction mistakes to avoid
  • Small APRA funds: What are they and why would I need one?
  • Re-thinking the role of your home in retirement
  • How to use Industry Super Funds’ Transition to Retirement (TTR) calculator
  • How to use Moneysmart’s Account-based pension calculator
  • How to budget for retirement
  • Super news for November 2023
  • Granny flats: How to ensure everyone’s rights are protected
  • SMSF investment rules: Collectables and personal use assets
  • Webinar: SuperGuide members Q&A: December 2023
  • Can I access my super? FAQs about conditions of release
  • How to choose a pension fund
  • SMSFs and estate planning: Key issues that SMSF trustees need to know
  • Webinar: Navigating the aged care system
  • Q&A: When I retire, can I transfer the cash assets to my share of the SMSF?
  • Q&A: Can an SMSF invest on a “tenants in common” basis in commercial property, funded by a mortgage?
  • The sprint finish: How to boost your super before retirement
  • What you need to know about six-member SMSFs
  • Super news for October 2023
  • What retirees need to understand about property insurance
  • How do ETFs compare to LICs/LITs and managed funds?
  • Q&A: Is a lump sum super payment taxed if I’m under 60?
  • How to use the Moneysmart Superannuation calculator
  • SMSFs and estate planning: What fund members should consider and plan for
  • Managing your SMSF through a recession
  • How to use the Moneysmart Super contributions optimiser
  • What advice can I get from my super fund in retirement?
  • YourSuper comparison tool review
  • How to use the Moneysmart Retirement Planner
  • Case study: How to reduce tax on your TPD payments from super
  • SMSF loans: What are the SMSF borrowing rules?
  • What concession cards are available for seniors and pensioners?
  • Help! I think I’m being paid too much pension
  • Dual pension strategy: Reducing super death benefits tax for non-dependants
  • Webinar: Transition-to-retirement pensions: Strategies and benefits
  • Tips to help your super last longer
  • Support services for unpaid carers
  • Choosing an SMSF service provider
  • Q&A: What to consider with unused concessional contribution tax claims?
  • Super news for September 2023
  • Why financial literacy is vital for a good retirement
  • SMSFs and estate planning: An introduction
  • Diversification and your SMSF: Why and how to do it
  • What I would do differently now: Retirement plans are shifting with the times
  • Webinar: SuperGuide members Q&A: September 2023
  • Q&A: Can I do contribution splitting if I live overseas?
  • Super news for August 2023
  • Q&A: What is the tax treatment on lump sum withdrawals when 65 and not retired?
  • Advance care plans: Why everyone should have one
  • What advice can your accountant provide for your SMSF?
  • Women and super (Part 3): Making the most of super and other assets after retirement
  • Super news for July 2023
  • Healthy eating in your 70s and beyond
  • Q&A: Can I cancel a reversionary pension within my SMSF and wind up the SMSF?
  • Webinar: Women’s super: Closing the gap
  • Property development in an SMSF: Recent ATO guidance
  • Retirement Income Review finds 9.5% super is enough
  • Q&A: What happens to my SMSF if I travel or move overseas?
  • SMSF compliance: What are trustees’ responsibilities?
  • How do reportable employer super contributions (RESC) work?
  • How redundancy and retirement impact your employees’ super
  • SMSF annual admin checklist
  • Quiz: Age Pension rules
  • Centrelink’s Payment and Service Finder: How it works
  • How do I apply for the Age Pension?
  • What is the Age Pension age?
  • ETFs: How do I use them and what do they cost?
  • Aged care: Guide to self-managing home care
  • Using the Home Equity Access Scheme to fund aged care
  • How to keep your immune system strong this winter
  • Webinar: An introduction to SMSFs
  • Hitting your peak later in life (and planning for the lows)
  • Super news for June 2023
  • Independent financial advisers: Adelaide and SA
  • Independent financial advisers: Canberra and ACT
  • Independent financial advisers: Hobart and Tasmania
  • Independent financial advisers: Perth and WA
  • Independent financial advisers: Brisbane and Queensland
  • Independent financial advisers: Melbourne and Victoria
  • Independent financial advisers: Sydney and NSW
  • What is a target market determination and why should you care?
  • Q&A: What are the pros and cons of starting an account-based pension vs investing outside super?
  • Q&A: I have over $3m in super so should I now consider a recontribution strategy?
  • Q&A: What are the pros and cons of entering pension phase with accumulated losses for capital gains?
  • SMSF minimum pension payments: Rules and strategies
  • Getting financial advice? What your adviser needs to provide
  • SMSF property ownership: Trustee requirements and obligations
  • Q&A: How does proportioning work if I have super in both accumulation and pension phases?
  • Webinar: SuperGuide members Q&A: June 2023
  • Q&A: Do I need to complete a TBAR when commencing a Transition to Retirement (TTR) pension?
  • Q&A: Do we need to use the proportioning rule when rolling over super benefits from an SMSF to an industry super fund?
  • Q&A: Can I benefit from the increased transfer balance cap if I’ve already started a pension?
  • How separation and divorce affect the Age Pension
  • Super news for May 2023
  • Are you paying your super contributions on time? Deadlines for employee contributions
  • What are the penalties for failing to meet employer super obligations?
  • Choosing a default fund for your employees
  • Life insurance inside super: How to work out the right level of cover
  • Early release of super due to severe financial hardship
  • Early release of super on compassionate grounds
  • Accessing super: Reaching age 65
  • How to read a super fund PDS
  • Employee or contractor for super purposes? How to tell the difference
  • Planning your account-based pension withdrawals for the new financial year
  • Federal Budget May 2023 overview: Superannuation and retiree announcements
  • Latest Choice super heatmap shows progress but fees remain high
  • Q&A: What happens if I start a pension and gains push the balance over the transfer balance cap?
  • Greenwashing: Do your super fund’s credentials stack up?
  • Will overspending delay your retirement?
  • SMSFs and non-arm’s-length income (NALI)
  • SMSF investing: An adviser’s insight into mFunds
  • SMSFs and property: Business real property
  • Webinar: Year-end superannuation tips and traps
  • Q&A: What should we have in place for when an individual trustee of an SMSF passes away?
  • What are the Age Pension gifting rules?
  • Q&A: I’m over 75. Can I make a super contribution?
  • Q&A: How can you reduce inheritance tax if you leave your super to your children?
  • Q&A: Can I contribute to a grandchild’s super account?
  • New contribution strategies for retirees
  • Super news for April 2023
  • How to compare super funds in 7 easy steps
  • What are annuities, and how can they help in retirement?
  • Q&A: Can you make super contributions when you work overseas?
  • Q&A: How much can I contribute in year 4 of a bring-forward period?
  • Q&A: Can I withdraw a lump sum after I start a pension?
  • Q&A: How can I recontribute my pension payments back into my super?
  • Q&A: Can I contribute to super after I start a pension?
  • SMSF property ownership options and opportunities
  • Tax hike on super balances above $3 million: Is it time to rethink our retirement savings vehicles?
  • What is an investment-linked annuity?
  • Q&A: Contributing to super prior to a pension
  • Webinar: The proposed new $3 million super changes: What you need to know
  • Tax returns in retirement: Do I need to lodge one?
  • Super news for March 2023
  • The importance of the 10/30/60 Rule to your retirement income
  • Webinar: SuperGuide members Q&A: March 2023
  • SMSF death benefits: Who are my dependents and why does it matter?
  • SMSF investment strategy health checklist
  • Advance care planning: Wills, Powers of Attorney, living wills and more
  • What government services are available for older Australians?
  • Super news for February 2023
  • What are average super fund fees?
  • Everything SMSF trustees need to know about rebalancing
  • What is the value of financial advice when it comes to your retirement?
  • Is an SMSF right for you?
  • Webinar: Starting an account-based pension
  • Super news for January 2023
  • SMSF investment rules: What every trustee should know
  • What are the different types of super funds?
  • How to choose an investment option for your super pension
  • Market volatility and super: How to resist the itch to switch
  • Webinar: Estate planning considerations for SMSF members
  • Case study: Boosting retirement income with downsizer contributions
  • Early release of super for illness or injury
  • Latest MySuper heatmap highlights best and worst performers
  • How to change super funds in 5 easy steps
  • Super news for December 2022
  • Indexing options in your super fund: Pros and cons
  • Managing your employees’ SG contributions? Technologies you need to know
  • How to keep good records for your employees’ super contributions
  • How much super do you need to set up an SMSF?
  • What are unrestricted and restricted non-preserved super benefits?
  • Women and super: Budget snapshot outlines the challenges
  • Super news for November 2022
  • How to find your lost super
  • Webinar: SuperGuide members Q&A: December 2022
  • Retirement income: When is the optimal time to purchase a deferred annuity?
  • Longevity risk: How deferred annuities can help your savings last
  • Federal Budget October 2022 overview: Super and retiree announcements
  • Webinar: Insurance inside super: Is it time for a change?
  • What are the Age Pension residency rules?
  • The financial and health benefits of working into retirement
  • Super news for October 2022
  • Single women and super: How 3 women beat the statistics
  • Webinar: Downsizer super contributions
  • Webinar: SuperGuide members Q&A: September 2022
  • Webinar: SMSFs and borrowing: Tips and traps
  • Webinar: SMSF investment strategy
  • Webinar: SuperGuide members Q&A: June 2022
  • Do you know what your super fund is invested in?
  • Elder abuse: How to spot the signs and reduce risk
  • Super news for September 2022
  • Unlisted assets: What are they and why is my super fund investing in them?
  • MySuper funds: Everything an employer needs to know
  • The arm’s length rule for SMSFs
  • Super news for August 2022
  • Where is technology for SMSFs headed?
  • How to prepare for an SMSF auditor and fill in your SMSF tax return
  • What the new Retirement Income Covenant means for you
  • Super news for July 2022
  • Should you develop a retirement income strategy for your SMSF?
  • Minister promises no more regulatory shock for super
  • Shift changes threaten home care help
  • Quiz: Super for beginners
  • Super news for June 2022
  • Members benefit from more superannuation board diversity
  • What should the federal government’s super and retirement planning priorities be?
  • Super news for May 2022
  • 2022 Federal Election: Coalition and Labor super and retirement policy announcements
  • Planning for cognitive decline
  • SMSF pensions: Planning your pension properly
  • How do I arrange a Home Care Package?
  • Super news for April 2022
  • Quiz: SMSFs for beginners
  • Aged Care Royal Commission report card
  • What to do if a member wants to leave an SMSF
  • Strategies for boosting your super in the gig economy
  • Why super funds diversify and what you can learn from it
  • 2022 Federal Budget overview: Super, tax and retiree announcements
  • The power of compound interest
  • The Sharpe Ratio: Risk-adjusted returns and your super
  • Losing capacity: The issues for SMSF trustees and what you need to do
  • What work can I do for my SMSF and can I be paid?
  • Super news for March 2022
  • Is it time to change your super investment option?
  • Webinar: Age Pension reassessments
  • How to benchmark your super fund
  • Dixon Advisory’s fall from grace: 4 lessons for all investors
  • Super news for February 2022
  • History of superannuation: Is it getting better?
  • Account-based pensions Q&A special (January 2022)
  • Super news for January 2022
  • 3 very different types of retirement
  • Super funds with the lowest fees
  • Super news for December 2021
  • What are defined benefit super funds?
  • SMSFs structures: Corporate or individual trustee?
  • Super news for November 2021
  • Super news for October 2021
  • SMSF estate and succession planning: What’s the difference?
  • Your future now stapled to your super
  • Super news for September 2021
  • Super news for August 2021
  • Had enough of your SMSF: What are your options?
  • Your Future, Your Super: What it means for you
  • Super news for July 2021
  • Super news for June 2021
  • Video: Explainer on the legacy retirement income products amnesty
  • Tips for writing an advanced care directive
  • Super news for May 2021
  • 2021 Federal Budget overview: Super, tax and aged care announcements
  • How the best super funds deliver on member services 
  • Super news for April 2021
  • Super news for March 2021
  • SMSF investments: Using ETFs for diversification and more
  • The lowdown on COVID-19 relief for SMSF borrowings
  • Super fund fees: Do lower fees mean better net returns?
  • Super news for February 2021
  • Asset allocation explained: How to build a strong retirement investment strategy
  • Super news for January 2021
  • TPD insurance inside super: How to work out the right level of cover
  • Income protection insurance inside super: How to work out the right level of cover
  • A step-by-step guide to valuing tricky assets
  • How your super fund works and who’s who in your fund
  • Super news for December 2020
  • Change your mindset: Ways to deal with boredom in retirement
  • Key observations from the Retirement Income Review
  • Super news for November 2020
  • Super news for October 2020
  • SMSFs: Sustainable investing just got personal
  • 2020 Federal Budget overview: Super, tax and related announcements
  • Perspectives on retirement
  • How to invest your superannuation: Super for beginners guide
  • Super news for September 2020
  • Video: Pros and cons of SMSFs
  • Super news for August 2020
  • Super news for July 2020
  • Video: What is Personal Capital?
  • Video: Wellbeing in retirement
  • Super news for June 2020
  • Video: We need to talk about Mum and Dad
  • What is a Longevity Plan, and how do they work?
  • The SMSF trustee declaration explained
  • Super news for May 2020
  • What are the 3 stages of ageing?
  • Super news for April 2020
  • How can you plan your income needs in retirement?
  • Rise of the three-quarter life crisis
  • Super news for March 2020
  • Financial advisers give tips on preparing for retirement
  • Secrets to living longer
  • Super news for February 2020
  • How does residential aged care work?
  • Introduction to aged care
  • Super news for January 2020
  • How to change your investment option: 6 points to check before you switch
  • Super news for December 2019
  • Super news for November 2019
  • Super news for October 2019
  • Super news for September 2019
  • Super news for August 2019
  • Single touch payroll (STP): What are the implications for SMSF trustees?
  • How the rich invest
  • Legal case a lesson in proper SMSF admin and record keeping
  • Protecting Your Super package: What you need to know
  • 2019 Federal Budget overview: Super, tax and related announcements
  • Revamp for super system: Financial Services Royal Commission recommends change
  • Alternative investments for SMSFs
  • Super’s next shake up? Productivity Commission gets tough
  • Adjusting to retirement: 8 factors that can help
  • Renters Beware: How the pension and super could leave you behind

Super funds

  • GESB Super
  • Super SA
  • Super Simplifier
  • Platformplus Super Wrap
  • Vanguard Super
  • Australian Retirement Trust
  • Centric Super Fund
  • Acclaim Wealth
  • ANZ Staff Super
  • smartMonday
  • ASGARD Independence Plan Division Two
  • Australian Defence Force Superannuation Scheme
  • Australian Ethical Super
  • Australian Food Super (formerly AMIST)
  • AustralianSuper
  • Avanteos Superannuation Trust
  • AvWrap Retirement Service
  • BUSSQ
  • CareSuper
  • Challenger Retirement Fund
  • ClearView Retirement Plan
  • Colonial First State FirstChoice
  • Super Retirement Fund
  • Essential Super
  • Cbus Super
  • NSW Fire Super
  • CSS Fund (Commonwealth Superannuation Scheme)
  • Equip Super
  • Fiducian Superannuation Fund
  • Fire and Emergency Services Superannuation Fund
  • Aware Super
  • First Super
  • Future Super Fund
  • Goldman Sachs & JBWere Superannuation Fund
  • Grosvenor Pirie Master Superannuation Fund Series 2
  • GuildSuper
  • HESTA
  • Hostplus
  • HUB24 Super Fund
  • IOOF Portfolio Service Superannuation Fund
  • legalsuper
  • Brighter Super
  • Lifefocus Superannuation Fund
  • Vision Super
  • Macquarie Superannuation Plan
  • Mason Stevens Super
  • Meat Industry Employees Superannuation Fund (MIESF)
  • Mercer Portfolio Service Superannuation Plan
  • Mercer Super
  • Military Superannuation & Benefits Fund No 1
  • Team Super
  • MLC Super Fund
  • National Mutual Retirement Fund
  • NESS Super
  • Netwealth Superannuation Master Fund
  • NGS Super
  • Oasis Superannuation Master Trust
  • Perpetual Super Wrap
  • Perpetual WealthFocus Superannuation Fund
  • Perpetual’s Select Superannuation Fund
  • Personal Choice Private Fund
  • Praemium SMA Superannuation Fund
  • Prime Super
  • Public Sector Superannuation Accumulation Plan
  • Public Sector Superannuation Scheme
  • REI Super
  • REST Super
  • Retirement Portfolio Service (OnePath and ANZ Super)
  • Russell Investments Master Trust
  • OneSuper
  • Star Portfolio Superannuation Fund
  • AMP Super Fund
  • TelstraSuper
  • The Bendigo Superannuation Plan
  • Tidswell Master Superannuation Plan
  • Ultimate Superannuation Fund
  • UniSuper
  • Wealth Personal Superannuation and Pension Fund (North and AMP)
  • Zurich Master Superannuation Fund

Pages

  • About Us
    • Careers
      • Writer/Journalist – Superannuation and retirement planning (freelance, part-time or full-time)
    • Contact Us
    • Copyright Policy
    • SuperGuide Disclaimer
    • SuperGuide Privacy Policy and Privacy Collection Statement
    • Terms and Conditions of Use
  • Account
  • APRA Disclaimer, Important notice, Explanatory notes and Glossary
  • Compare super funds
  • Editorial policy and complaints
  • Financial Services Guide
  • How to use SuperGuide
  • Login
  • New to SuperGuide?
  • Newsletter taster
  • Sitemap
  • Special features
  • Superannuation Glossary
  • SuperGuide home page
  • SuperGuide newsletters
    • Newsletter Archive
  • SuperGuide Premium
  • Support
    • About SuperGuide Premium
      • How can SuperGuide Premium help me?
      • How much does SuperGuide Premium cost?
      • What is included in my SuperGuide Premium subscription?
      • What is SuperGuide Premium?
      • Who runs SuperGuide?
      • Will you answer my questions about superannuation and retirement planning?
    • How to use SuperGuide
      • Can I change my password?
      • How do I log in to SuperGuide?
      • How do I save articles?
      • I’ve forgotten my username or password
      • Why haven’t I received the SuperGuide newsletter email?
    • Your SuperGuide Premium subscription
      • Can I change from a monthly subscription to an annual subscription?
      • Can I purchase a 2-year subscription to SuperGuide Premium?
      • Does an annual subscription cover a calendar year or 12 months from when you start subscribing?
      • Does the subscription cost include GST?
      • How can I cancel my subscription?
      • How can I claim my subscription as an SMSF expense?
      • How can I get a refund for my subscription?
      • How can I purchase a SuperGuide Premium subscription?
      • How can I tax deduct my SuperGuide Premium subscription?
      • How can I update my credit card information?
      • How do I get a receipt or tax invoice for my subscription?
      • How do I pay by bank transfer?
      • Is there a minimum subscription period?
      • What is Stripe? I noticed it on my subscription receipt.
      • Will my SuperGuide Premium subscription automatically renew?
  • Trish Power is leaving SuperGuide

SuperGuide is Australia’s leading superannuation and retirement planning website.

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.

SuperGuide membership

  • JOIN NOW
  • Free SuperGuide newsletter
  • New to SuperGuide?
  • Pricing
  • Subscriber reviews
  • SuperGuide for boosting your super
  • SuperGuide for planning your retirement
  • SuperGuide for retirees
  • SuperGuide for SMSFs

Company

  • About us
  • Advertise
  • Careers
  • Contact us
  • Copyright Policy
  • Editorial Policy and Complaints
  • Sitemap
  • Support
4.7

Based on 78 reviews

Address

Level 23, 520 Oxford St,
Bondi Junction, NSW 2022

Phone

1800 955 753

  • Facebook
  • X
  • LinkedIn
  • YouTube
  • Google

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.

  • Full SuperGuide disclaimer
  • Terms and Conditions of Use
  • Financial Services Guide
  • Privacy Policy and Privacy Collection

© 2008–2025 SuperGuide

SuperGuide
Forgot Password
 

Not a member?
Learn more about becoming a SuperGuide member