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SuperGuide

SuperGuide

Superannuation and retirement planning information

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Articles

  • Pension fund performance: Monthly returns to April 2025
  • Super fund performance: Monthly returns to April 2025
  • Super fund performance reckoner: Monthly returns for 5 investment categories
  • 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 fund rankings: Balanced category (41–60%)
  • Super fund rankings: Growth category (61–80%)
  • Super fund rankings: High Growth category (81–95%)
  • Super fund rankings: All Growth category (96–100%)
  • 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 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?
  • Super fund mergers: What does it mean for members?
  • 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
  • SMSFs: Segregating assets in retirement phase
  • SMSFs: Investing in private companies
  • How super fund fees impact your net returns
  • Q&A: Can we lend to our SMSF to buy a property?
  • 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 $2 million in super enough to retire on?
  • 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
  • Super strategies after losing your spouse in retirement: What are the rules?
  • How carry-forward (catch-up) super contributions work
  • Australian income tax brackets and rates (2024-25 and previous years)
  • Federal Budget March 2025 overview
  • How much super do I need to retire on $100,000 a year?
  • How much super do I need to retire on $50,000 a year?
  • How much super do I need to retire on $80,000 a year?
  • How much super do I need to retire on $60,000 a year?
  • Age Pension rates (March 2025 to September 2025)
  • How to apply for the Home Equity Access Scheme (HEAS)
  • Pension fund performance to December 2024
  • 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?
  • Age Pension calculator (March 2025 update)
  • Am I eligible for the Age Pension?
  • Age Pension income test rules (from March 2025)
  • Age Pension assets test rules (from March 2025)
  • 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?
  • The why and how of direct investment super options
  • 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 super funds: Conservative category (21–40%)
  • Best performing super funds: Balanced category (41–60%)
  • Best performing super funds: High Growth category (81–95%)
  • Best performing super funds: All Growth category (96–100%)
  • Boost your Age Pension by topping up a younger spouse’s super
  • Q&A: How is an SMSF member’s Total Super Balance calculated?
  • 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?
  • Best performing super funds: Growth category (61–80%)
  • Super fund performance reckoners: Annual returns for 5 investment categories
  • Super fund performance over 32 calendar years (to December 2024)
  • 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 wealth 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
  • 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
  • SMSFs: Legacy pension relief at long last
  • 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?
  • Super tax breaks to be reduced for accounts with more than $3 million
  • Reversionary pensions: What they are and how they work
  • What are the setup and running costs for an SMSF?
  • Your SMSF calendar for 2025
  • How to boost your spouse’s balance and make the most of super caps (including calculator)
  • Commonwealth Seniors Health Card: Eligibility and how to apply
  • Real DIY super: How to keep SMSF costs super low
  • When can I access my super? All conditions of release explained
  • Transfer balance cap (TBC) for super pensions: How it works
  • 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
  • How superannuation works: Super for beginners guide
  • Super news for November 2024
  • Modern retirement modelling: Increasing confidence in retirement planning
  • Minimum pension drawdown rates (2024–25) and calculator
  • Are pension withdrawal rates safe?
  • Super funds of the year awards: Best super funds for 2024-25
  • Selecting a retirement income calculator
  • Pension fund of the year 2024-25: What makes a winner?
  • SMSFs: Running multiple pensions for the one member
  • SMSFs: What are the lump sum withdrawal rules?
  • 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
  • Q&A: If we transfer assets to a new SMSF, will there be capital gains tax?
  • Webinar: Advice options for planning your retirement
  • Making superannuation contributions: Super for beginners guide
  • Proposed increases to the cost of aged care
  • 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
  • How the government co-contribution scheme works (including calculator)
  • Common errors SMSF trustees make with their annual returns
  • Buying property in an SMSF Q&As: Part 1
  • Which super funds accept transfers from KiwiSaver accounts?
  • SMSF investment: 20 most popular LICs/LITs
  • TBAR: Transfer balance account reporting for SMSFs
  • SMSF investment: 20 most popular managed funds
  • SMSF investment: 20 most popular international shares
  • SMSF investment: 20 most popular Australian shares
  • SMSF investment: 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
  • Super recontribution strategy: How it works
  • Recontribution strategy case study: How super tax components impact estate planning
  • 10 points to check on your annual super fund statement
  • Super news for September 2024
  • How the First Home Super Saver (FHSS) scheme works
  • Super fund fees and charges you need to know about
  • What you need to know about investing an inheritance into super
  • 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
  • Converting super into retirement income: What are your options? 
  • 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
  • Best performing pension funds: All Growth category (96–100%)
  • 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?”
  • Planning to retire this year and start a super pension? Here’s what to consider
  • What are lifecycle super funds, and how do they perform?
  • Transition to retirement Q&As
  • 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
  • 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)
  • What is the retirement age in Australia?
  • Employee super contributions for the self-employed and micro businesses
  • How is my Total Superannuation Balance (TSB) calculated?
  • Non-arm’s length expenditure (NALE) rules for SMSFs
  • Concessional super contributions guide (2024-25)
  • Superannuation Guarantee contributions rate and rules
  • Non-concessional super contributions guide (2024–25)
  • In your 50s or younger? The super rules that apply to you
  • Accessing super between 60 and 65
  • Deeming rates (2024-25) and calculator for the Age Pension income test
  • Income tax calculator (2023–24 and 2024–25)
  • Your tax guide to accessing your super under age 60
  • Employer’s guide to Superannuation Guarantee contributions: Which employees are eligible?
  • How the 15-year small business CGT exemption can help boost your super
  • Quiz: Employer super responsibilities
  • 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
  • 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?
  • Claiming a tax deduction for your employees’ super: What are the rules?
  • 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
  • In your teens? The super rules that apply to you
  • Quiz: Boosting your super with super contributions
  • What to do if you exceed your super contributions caps
  • How the Division 293 tax works: Super surcharge for high earners
  • Selecting your super fund: Can I make the choice?
  • How a transition-to-retirement (TTR) pension works
  • A super guide to the bring-forward rule
  • What to do if your employer doesn’t pay your super
  • How LISTO works (Low Income Superannuation Tax Offset)
  • What is the maximum super contribution base?
  • How superannuation is taxed: Super for beginners guide
  • Understanding the difference between your total super balance and your transfer balance cap
  • What age can I access my super (Preservation Age)?
  • Superannuation rule changes from July 2024 (and previous years)
  • Key superannuation rates and thresholds for 2024-25
  • Quiz: Planning for retirement
  • Can I live in my SMSF property?
  • Preservation age and transition-to-retirement pensions align
  • Q&A: How do I start an SMSF pension while leaving other members in accumulation?
  • 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?
  • Your tax guide to accessing your super over age 60
  • 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?
  • Downsizer super contributions: Rules and eligibility
  • 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: Should I postpone my contribution reserving strategy until after the contribution caps rise?
  • 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: What is required when making lump sum withdrawals from an SMSF in pension mode?
  • 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
  • Q&A: What is asset segregation in pension phase?
  • Should you fully withdraw super prior to death to minimise tax payable by your beneficiaries?
  • 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
  • Franked dividends and franking credits for SMSFs
  • 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
  • SMSFs: Investing in related trusts and companies
  • 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
  • SMSF investors: How to avoid getting scammed
  • Q&A: How do we structure our SMSF to collect rent as a pension if my wife is under preservation age?
  • 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: A definitive guide
  • 2023 year in review, 2024 year in preview
  • How to use the Mercer Retirement income simulator
  • What are the SMSF residency requirements?
  • ATO SMSF supervisory levy: Cost and guidelines
  • Does your super fund pay a retirement bonus when you start a pension?
  • Why aged care deserves to be part of your retirement plan
  • What are the key differences between SMSFs and public offer funds?
  • Age Pension Work Bonus: How it works and case studies
  • Retiring overseas: Implications for your super and tax
  • Webinar: Super strategies for your SMSF
  • Super news for December 2023
  • Should I retire overseas?
  • What are MySuper products, and which super funds have MySuper products?
  • Calculate how to reach your super balance goal
  • How the Home Equity Access Scheme works (formerly Pension Loan Scheme)
  • 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
  • Q&A: Transfer balance account, minimum pension requirements and the 1 June rule
  • 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
  • SMSFs: Investment property tax deduction mistakes to avoid
  • Small APRA funds: What are they and why would I need one?
  • Your home: The foundation of retirement planning
  • 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: Does the previous year’s balance affect the minimum pension amount?
  • 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
  • How lump sums can reduce your transfer balance account
  • Super news for October 2023
  • What retirees need to understand about property insurance
  • How do ETFs compare to LICs/LITs and managed funds?
  • Reducing tax on capital gains with super contributions
  • Q&A: Is a lump sum super payment taxed if I’m under 60?
  • How to use the Moneysmart Superannuation calculator
  • Q&A: Can we use a recontribution strategy at 70 if we have a large transfer balance?
  • 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 happens when you meet a financial adviser
  • Who to turn to if you have a problem with your financial adviser
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