SMSFs are able to directly invest in residential or commercial property. The property must be held in the name of the fund, not in the names of individual fund members. If funds are borrowed to fund an SMSF property purchase, they must be obtained under a limited recourse borrowing arrangement. Well-chosen investment ... Read more
SMSF investors still subdued about outlook for ASX in 2019
Sentiment among SMSF investors remains subdued, despite the strong rebound in the sharemarket in the first few months of 2019. According to a study by research firm Investment Trends, as at April 2019, SMSFs only expected the All Ordinaries to deliver capital gains of 0.8% over the next 12 months. This is a significant ... Read more
Monthly super fund performance Reckoner: Monthly returns for 5 investment categories
In our reckoner below you can view the median monthly investment returns for 5 superannuation investment options. We’re grateful to Chant West for providing the statistics that power the reckoner. See also: Super fund performance: Monthly returns to April 2019 Important: Superannuation is a long-term investment. While ... Read more
Quiz: SMSFs for beginners
Take the following 10 question quiz to test your knowledge on the fundamentals of self-managed super funds (SMSFs). Don't worry if you don’t know the answer to a question. Have a go anyway and we’ll let you know the correct answer, as well as providing you with a link to a relevant article. Note: When you pick an ... Read more
The rules of superannuation: Your guide for 2018/2019
When you mention super, most people shake their head and mutter about the constant rule changes. Looking back over the past few years it’s a fair comment, with many significant changes occurring – and many more proposed but never legislated. If you are wondering how those changes have affected your super and ... Read more
Asset Sector Performance Reckoner
SuperGuide’s Asset Sector Performance reckoner allows you to compare the investment performance of various asset classes over the short, medium and long term. The reckoner covers 12 asset classes over 1, 3 and 5 years and, where available, also over 7, 10 and 15 years. The asset classes and maximum performance ... Read more
Definitive guide to the $1.6 million transfer balance cap
One of the most significant changes to superannuation – the introduction of the $1.6 million transfer balance cap – became effective on 1 July 2017. The Australian Taxation Office (ATO) estimates the changes will impact only 1% per cent of Australian superannuants, however that 1% needs to be clearly across the ... Read more
Asset sector performance: Returns over 1 to 15 financial years (to June 2018)
In this article you can discover the investment performance for 12 different asset classes over various timeframes. For all asset classes there is data for 1, 3 and 5 financial years, and for most asset classes there is also data over 7, 10 and 15 financial years. Note: A financial year covers 1 July to 30 June the ... Read more
Asset sector performance: Returns over 1 to 15 calendar years (to December 2018)
In this article you can discover the investment performance for 12 asset classes over various timeframes. For all asset classes there is data for 1, 3 and 5 calendar years, and for most asset classes there is also data over 7, 10 and 15 calendar years. Note: A calendar year covers 1 January to 31 December, whereas a ... Read more
Super fund performance: Calendar years (to December 2018)
In this article you can find super fund performance for 1, 3, 5, 7, 10 and 15 years, up to the latest calendar year and across five different investment options. We’re grateful to Chant West for providing the statistics in this article. See also Super fund performance: Financial years (to June 2018) The last quarter of ... Read more
Annual super fund performance Reckoner: Annual returns for 5 investment categories
In the reckoners below you can view the median super fund returns for 1, 3, 5, 7, 10 and 15 years across five different investment options. There are two reckoners – one contains returns for the last 4 calendar years and the other contains returns for the last 3 financial years. We’re grateful to Chant West for ... Read more
Best performing super funds over 15 calendar years
Superannuation is a long-term investment. Those starting in the workforce today at 18 will have 47 years of superannuation contributions and investment returns ahead of them if they retire at 65. We often hear about the super returns for the latest month, or the top performing funds for the last year, but when looking ... Read more
What is included in my Total Superannuation Balance, and when does it apply?
The concept of total superannuation balance, or TSB, was introduced on 1 July 2017 as part of the Treasury Laws Amendment (Fair and Sustainable Superannuation) Act 2016 as a means to measure your total superannuation interests at any point in time. It is used to determine eligibility for a number of new superannuation ... Read more
Fund Performance: SMSFs vs APRA super funds
The debate about who wins the battle between SMSFs and APRA-regulated super funds is one that has emerged in recent years with the rapid increase in new SMSFs which is growing at around 14% per year. So which of these two retirement income investment vehicles delivers the better investment returns, and why can one ... Read more
Best performing super funds over 1 calendar year (to December 2018)
Super funds finished the 2018 calendar year with an average return of 0.8%. This was the lowest return since 2011, and well below the average of 9% over the last nine years. Chant West senior investment manager Mano Mohankumar says: “The power of diversification was clearly evident in 2018. When you consider that the ... Read more