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Guest articles

Set out below are all SuperGuide articles referring to Guest articles.

SMSFs: Can $1 million last longer than you?

October 16, 2018 by Trish Power

SMSFs: Can $1 million last longer than you? - 133228455 d093498fd5 b 100x75

Note: This article is an edited and abridged version of an article written by one of our readers in response to the SuperGuide articles: ‘Why can’t $1 million last forever?’ and ‘Crunching the numbers: a $1 million retirement (7% and 5% returns)’. The reader believes it is possible for $1 million to last forever by ... Read more

Guest contributor: SMSF trustee opposes three-yearly SMSF audits

August 20, 2018 by Jim Bonham 2 Comments

Guest contributor: SMSF trustee opposes three-yearly SMSF audits - smsf audit 8872445 c 100x75

Guest contributor, Jim Bonham: Dr Jim Bonham is a retired scientist and R&D manager. He has a PhD in Physical Chemistry and a graduate diploma in management. As an SMSF trustee, he is deeply concerned about the proposed changes to the SMSF audit rules, and the ongoing instability for retirees and future retirees. ... Read more

Guest contributor: SMSF audit proposal will increase fees for SMSF trustees

August 20, 2018 by Belinda Aisbett Leave a Comment

Guest contributor: SMSF audit proposal will increase fees for SMSF trustees - audit costs 144447873 c 100x75

Guest contributor: Belinda Aisbett, CA, Bacc, SSA, SSAud, a long-time specialist SMSF auditor, and director of Super Sphere Pty Ltd believes moving to an opt-in three-year SMSF audit regime will lead to increased audit fees for SMSF trustees, additional compliance costs, and in turn will not reduce the compliance ... Read more

Guest contributor: You don’t need $1 million in super to start an SMSF

August 20, 2018 by Meg Heffron Leave a Comment

Guest contributor: You don't need $1 million in super to start an SMSF - smsf less million 27673755 c 100x75

Guest contributor: Meg Heffron, the author of this article, is co-founder and a Director of Heffron SMSF Solutions – a firm that specialises in SMSFs. She is a qualified actuary with more than 25 years of superannuation experience. Depending on who you believe, self-managed superannuation funds range from being the ... Read more

‘Member for Hypocrisy’: Minister called out by Liberal supporters

May 9, 2018 by Trish Power 5 Comments

‘Member for Hypocrisy’: Minister called out by Liberal supporters - Hypocrisy 110494808 c 100x75

The Liberal government is now actively preparing for a federal election in late 2018, or in early 2019. Although the 2018 Federal Budget is an election budget promising tax cuts and other benefits, it was not that long ago that the Liberal government made significant changes to the super and retirement rules (July ... Read more

Guest contributor: ALP’s plan to confiscate franking credits hits retirees

March 19, 2018 by Jim Bonham 24 Comments

Guest contributor: ALP’s plan to confiscate franking credits hits retirees - ATO 40870937 c 100x75

The Australian Labor Party’s proposal to deny a cash refund on excess franking credits from Australian shares has very similar effects to the destructive and self-defeating consequences of the federal government’s 2017 changes to the Age Pension asset test (see my other SuperGuide article Age Pension changes: ... Read more

Age Pension changes: Government cuts benefits and takes from future generations

March 19, 2018 by Jim Bonham 4 Comments

Age Pension changes: Government cuts benefits and takes from future generations - jim bonham article 190318 100x75

Introducing our guest contributor, Jim Bonham: Dr Jim Bonham is a retired scientist and manager. Although he is unaffected by the recent changes to the superannuation and Age Pension rules, as an SMSF trustee, he is deeply concerned about the ongoing instability for retirees and future retirees. In the article below, ... Read more

Deferred annuity: When is the right time during retirement to purchase a DA?

December 13, 2017 by Sean Corbett Leave a Comment

Deferred annuity: When is the right time during retirement to purchase a DA? - Pixmac000081230593 too late c 100x75

Note: In this article, Sean Corbett, an annuities expert and a SuperGuide guest contributor, answers the important question of when is the right time to purchase a deferred lifetime annuity. Separately, Sean has also written an excellent article comparing different retirement options, and under what circumstances such ... Read more

Guest contributor: Reducing the risk of outliving your retirement savings

November 21, 2017 by Sean Corbett 1 Comment

Guest contributor: Reducing the risk of outliving your retirement savings - Risk 2534879 c 100x75

Note: Since 1 July 2017, the government has extended the tax exemption for earnings in retirement (applicable to super pensions) to other retirement products such as deferred lifetime annuities, and also to in-house annuity products potentially offered by super funds or other financial organisations. In this article, ... Read more

Assistant Treasurer responds to Retirementgate (aka Age Pension debacle)

November 21, 2017 by Trish Power 11 Comments

Assistant Treasurer responds to Retirementgate (aka Age Pension debacle) - sitting duck 102975454 c 100x75

Earlier in 2017, SuperGuide published a series of articles on the financial hit that many retired Australians experienced when the harsh changes to the Age Pension assets test took effect from 1 January 2017. The articles were published, with the assistance of advocacy group, Save Our Super, and with financial ... Read more

Retirementgate: Government’s Age Pension debacle hits middle Australia

November 21, 2017 by Trish Power Leave a Comment

Retirementgate: Government’s Age Pension debacle hits middle Australia - middle australia 40324059 c 100x75

In the past few months, SuperGuide, with the assistance of advocacy group Save Our Super, has reported on the ridiculous state of affairs now facing existing and future retirees. The January 2017 Age Pension changes, namely the harsh regressive effect of the Age Pension assets test, have made it financially more ... Read more

Guest contributor: Franked dividends are not a tax concession

October 17, 2017 by Jack Simson 3 Comments

Guest contributor: Franked dividends are not a tax concession - tax dividends 42361283 c 100x75

Tax alert! In March 2018, the ALP has announced it is planning to ban cash refunds of excess franking credits (assuming it wins the 2019 Federal Election), which will potentially reduce superannuation returns, and dramatically cut retiree income. The contents of this article are more relevant than ever, and Jack ... Read more

Guest contributor: Retirees lose savings due to 2017 Age Pension changes

August 22, 2017 by Sean Corbett 4 Comments

Guest contributor: Retirees lose savings due to 2017 Age Pension changes - Cane 83951680 c 100x75

Note: During the past few months, with the assistance of advocacy group Save Our Super (and using financial modelling provided by Sean Corbett), SuperGuide has highlighted the inequities and disincentives created by the January 2017 changes to the Age Pension assets test. SuperGuide has named this policy debacle, ... Read more

Treasurer Morrison’s ‘Retirementgate’ encourages Aussies to spend and take Age Pension

June 26, 2017 by Trish Power 34 Comments

Treasurer Morrison’s ‘Retirementgate’ encourages Aussies to spend and take Age Pension - retirementgate 148564627 c 100x75

A recent paper by advocacy group, Save Our Super, originally produced for SuperGuide, has uncovered financially devastating repercussions for Australia because of harsh Age Pension and superannuation policies made in haste and with hubris, and implemented with gusto by Federal Treasurer, Scott Morrison. Treasurer ... Read more

Retirement income and savings trap: 13 findings from Save Our Super’s paper

June 26, 2017 by Trish Power 3 Comments

Retirement income and savings trap: 13 findings from Save Our Super’s paper - Findings 3975977 c 100x75

For a couple who own their home, the retirement savings ‘sweet spot’ target should be $400,000, to ensure maximum income (utilising super savings and Age Pension entitlements under the 2017 changes), according to a paper written by advocacy group, Save Our Super. Only when superannuation savings increase to ... Read more

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    • 14 legal ways to withdraw your super
    • Definition of retirement
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    • Types of super benefits
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      • SMSF pensions
      • Superannuation benefit payments tax
    • Accessing super early
      • 14 legal ways to withdraw your super
      • Preservation age
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    • In retirement: A Super Guide
    • Retirement Calculators and Reckoners
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      • Retirement Income Reckoner
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      • Types of super benefits
      • Transfer balance cap
      • Exempt current pension income
      • Franked dividends
      • Non-arm’s length income
      • Superannuation benefit payments tax
      • SMSF pensions
      • Transition-to-retirement pensions
    • Taking a super lump sum
    • Taking a super pension
      • Retirement phase
      • Types of super pensions
      • SMSF pensions
      • Transfer balance cap
      • Minimum super pension payments
      • Transition-to-retirement pensions
      • Defined benefit funds
      • Annuities
    • Working in retirement
      • Turning 65 and super
      • Over-65s work test
      • Transition-to-retirement pensions
      • Age-based Super Guide
      • Age pension age
    • Commonwealth Seniors Health Card
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      • Age Pension age
      • 10 important facts about the Age Pension
      • How do I apply for the Age Pension?
      • Age Pension assets test
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      • Age Pension deeming rules
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