SuperGuide Premium Your independent superannuation and retirement planning expert
We help you make the most out of your super so you can make the most of your retirement
- Learn strategies that can save you tax, boost your super balance, or your income in retirement
- Discover the best performing super funds, pension funds and asset classes
- Stay on top of ever-changing rules - get all the essential information in one place, and from an independent perspective
- Benefit from a comprehensive understanding of super, SMSFs, the Age Pension and retirement planning
You can subscribe on an annual or a monthly basis
Annual subscription
- 12 months' access
- Equivalent of just $11 per month
Monthly subscription
- 1 month's access
- Can change to Annual at any time
You can pay by credit card, debit card or PayPal.
You can also pay by bank transfer when purchasing an annual subscription.
You can pause or cancel your membership at any time, and are also protected by our 30-day no questions asked money back guarantee.
What's included in a SuperGuide Premium subscription?
SuperGuide Premium has 8 main sections
Click on each section to learn more
How super works: Includes super for beginners, must-know facts, the latest super and retirement changes, super rates and thresholds, super strategies, how-to guides, Q&As, tips and quizzes.
Key articles include:
Making super contributions: Covers how much your employer must pay into your super fund, how much you can contribute, salary sacrificing, tax-deductible contributions, contributions caps and strategies.
Key articles include:
Super fund performance: Discover the best-performing super funds, latest investment returns, a guide to super investing, investment choice, fees, insurance options and how to compare super funds.
Key articles include:
Super and tax: Find out how your super benefits are taxed when you retire, how super contributions are taxed, how super tax affects SMSFs and the tax implications for death benefits.
Key articles include:
SMSFs: This section helps anyone running (or considering) a self-managed super fund, and includes SMSFs for beginners, costs, administration, compliance, investment, pensions, borrowing and Q&As.
Key articles include:
Planning for retirement: Helps answer questions such as how much super is enough, when can you retire, how long will you live, will you get the Age Pension, how can you set up a retirement plan, and how to obtain financial advice.
Key articles include:
Accessing super: Learn all the legal ways you can withdraw your super, your preservation age, the types of super benefits you can choose, about divorce and super, leaving Australia, or accessing super early.
Key articles include:
In retirement: Covers retirement phase topics such as taking a super lump or starting a super pension, working in retirement, CSHC, Age Pension, and what happens to super benefits when someone dies.
Key articles include:
How super works
Includes super for beginners, must-know facts, the latest super and retirement changes, super rates and thresholds, super strategies, how-to guides, Q&As, tips and quizzes.
Making super contributions
Covers how much your employer must pay into your super fund, how much you can contribute, salary sacrificing, tax-deductible contributions, contributions caps and strategies.
Super fund performance
Discover the best-performing super funds, latest investment returns, a guide to super investing, investment choice, fees, insurance options and how to compare super funds.
Super and tax
Find out how your super benefits are taxed when you retire, how super contributions are taxed, how super tax affects SMSFs and the tax implications for death benefits.
SMSFs
This section helps anyone running (or considering) a self-managed super fund, and includes SMSFs for beginners, costs, administration, compliance, investment, pensions, borrowing and Q&As.
Planning for retirement
Helps answer questions such as how much super is enough, when can you retire, how long will you live, will you get the Age Pension, how can you set up a retirement plan, and how to obtain financial advice.
Accessing super
Learn the 14 legal ways to withdraw your super, your preservation age, the types of super benefits you can choose, about divorce and super, leaving Australia, or accessing super early.
In retirement
Covers retirement phase topics such as taking a super lump or starting a super pension, working in retirement, CSHC, Age Pension, and what happens to super benefits when someone dies.
SuperGuide Premium can help you answer important questions such as:
If you are planning your retirement...
- What were the best performing super funds, over 1 year, 5 years and 10 years?
- How much super will I need to retire, and can I afford to retire early?
- What can I do now to prepare for the kind of retirement I want?
- Will I be eligible for the Age Pension or other entitlements?
- What are the current super and tax rates and thresholds?
- How much can I contribute to my super fund?
- How do I compare funds or choose a fund?
- How and when can I access my super?
If you are in retirement...
- What are the latest super changes, and how do they affect me?
- How can I manage my super and other entitlements in retirement?
- What are the latest retirement or Age Pension changes?
- What are the rules for working in retirement?
- How much Age Pension might I be eligible for?
- What are the super and retirement rules for over-65s?
- What super strategies are the most appropriate in retirement?
- What were the top performing pension funds, over 1 year, 5 years and 10 years?
If you have (or are considering) a self-managed super fund (SMSF)...
- How much do SMSFs cost to set up and run?
- How do I set up and run my SMSF according to the super rules?
- What are my obligations as an SMSF trustee?
- What the rules when investing in property through your SMSF?
- How do I create and monitor an SMSF investment portfolio?
- What were the top performing asset classes over 1 year, 5 years and 10 years?
- What are the most popular ETFs that SMSFs invest in?
- How do I run my SMSF pension?
What makes SuperGuide different?
We're independent
SuperGuide gives you the full picture because we aren’t funded by the industry or government. We have no conflicts of interest and no ulterior motives or hidden agendas. Our agenda is simply to help you get your best possible retirement outcome.
We're comprehensive
Over the last 10 years we have developed a library of hundreds of articles, checklists, Q&As, case studies and other tools that cover all aspects of superannuation, SMSF and retirement planning.
We're up-to-date
We ensure all articles are up-to-date with current rules and regulations, and we also give you historic and future rates when appropriate.
We're experts
We have been writing about superannuation and retirement planning for decades, so know every rule inside out.
We're focused
We have always been purely focused on showing Australians how superannuation works, and how to plan for their best possible retirement. We are the super specialists for all Australians.
Annual subscription
- 12 months' access
- Equivalent of just $11 per month
Monthly subscription
- 1 month's access
- Can change to Annual at any time
You can pay by credit card, debit card or PayPal. You can also pay by bank transfer when purchasing an annual subscription.
You can pause or cancel your membership at any time, and are also protected by our 30-day no questions asked money back guarantee.
You may be able to claim your subscription as tax deduction or SMSF expense*.
A SuperGuide Premium subscription is an investment that can pay off in multiple ways – showing you super and retirement strategies that potentially save you money (or tax), or build up your super balance, or help you manage your super more effectively in retirement.
And this is what readers say about SuperGuide
Fantastic resource for information. Should be compulsory for everyone to read. Has helped me immeasurably over the years.
I was relieved when I found SuperGuide online because it was just what I needed. These issues can be very confusing to people, not involved in the field. SuperGuide is clearly explained, very thorough and well structured. I like the links to previous articles too as it helps to consolidate information which is still relevant to the issues current today. Thank you so much for a really great guide. I love to receive it in my Inbox.
I sincerely appreciate your work in assisting me to know the “right questions to ask my adviser” I strongly believe an adviser is only as good as the questions one asks. Your newsletters assist me in understanding a complex and seemingly constantly changing investment area and guides me in asking the right questions
SuperGuide is a fantastic resource and our most valuable resource for up-to-date and easy to understand information. We also have used a financial adviser for the last years, but there have been occasions when we had to show them information from SuperGuide because they had not thought of something (e.g. eligibility for SAPTO), also we use the information in SuperGuide about fund performances and rankings to check and question the performance of our super inside our wrap which our adviser manages.
I find SuperGuide a very useful resource and a reference guide for when I encounter unusual situations during both the preparation and audit of SMSF financial statements. preparation and audit of SMSF financial statements. Thank you so much!
Excellent source of information that give very good case studies and examples. Much easier to understand than the ATO website and factsheets.
Fantastic website, head and shoulders above anything else I have encountered. It was most helpful when I was retiring a few years ago, the information was easily understood and covered all aspects of retirement. I particularly enjoy the references to the government shortcomings, telling it like it is without fear or favour. Bravo!
I feel you do a great job to inform retirees and people approaching retirement in a plain and easy to understand format which is what most older people need it is very important they feel they can keep some kind of control and knowledge about their future.
Thanks for the Super site – it has been very useful for me as a Trustee of my family SMSF. I have also bought your book, DIY Super for Dummies, which has been very informative and explained many issue in plain English.
If you'd like to understand about salary sacrificing, the bring-forward rule, the proportioning rule, quarterly event-based reporting, SMSFs, TBARs, SAPTO, TRIPs, defined benefit benefits, contributions caps, co-contributions, concessional-contributions, non-concessional contributions, catch-up rules, CGT relief, annual minimum pension payments, tax-deductible super contributions, preservation age, anti-detriment payments, deductible amounts, double contributions tax, re-contribution strategies, excess contributions, franked dividends, franking credits and lump sums, then you're in the right place.
Even if you have a financial adviser, SuperGuide Premium arms you with the necessary knowledge to ask the right questions, enabling more informed discussions with your adviser
You can trust SuperGuide to give you the full picture, and an independent perspective, so you can have confidence in planning for your retirement years.
Frequently asked questions
An annual subscription is $132 (including GST), or you can choose to pay month-by-month at a cost of $22 a month (including GST)
You can pay by debit or credit card (Visa, Mastercard and American Express) or PayPal.
Annual subscriptions can also be paid by bank transfer.
The ATO allow you to claim an immediate deduction up to $300 for books, periodicals and digital information that are "used predominantly for earning assessable income that is not income from carrying on a business".
If you are planning to claim a tax deduction for your SuperGuide Premium subscription, you will need to confirm your personal tax situation with your accountant or the ATO.
The ATO allows for general deductions as part of the expenses of running an SMSF, to the extent that:
- it is incurred in gaining or producing assessable income
- it is necessarily incurred in carrying on a business for the purpose of gaining or producing assessable income.
Subscriptions are included as examples of these expenses.
If you are planning to claim a tax deduction for your SuperGuide Premium subscription, you will need to confirm your personal tax situation with your accountant or the ATO.
Yes, you can login to your account and pause or cancel your subscription at any time.
Alternatively you can contact us and we can pause or cancel it for you.
Your account access will remain available until the end of that subscription period.
Yes. Changing from a monthly to an annual subscription is simple, and our payment system will also reduce the cost of your annual subscription according to the remaining value of your monthly subscription.
For example, if you have already paid for a month's subscription ($22 per month), and exactly halfway through the month you decide to change to an annual subscription ($132 per year), you would be credited $11 for the remaining value of the monthly subscription.
You would then be charged $121 ($132 minus $11) for the annual subscription.
Please note that the amount you will be credited will vary, depending on exactly when you change from monthly to annual subscription.
Click here to see more detailed instructions on how to switch from a monthly to an annual subscription.
If you simply decide that SuperGuide Premium is not for you, just let us know any time within the first 30 days and we'll send you a prompt refund, no questions asked.
Just contact us through our support section, and let us know your membership number or email address.
Subscribe today and save your retirement
Annual subscription
- 12 months' access
- Equivalent of just $11 per month
Monthly subscription
- 1 month's access
- Can change to Annual at any time
When you join SuperGuide Premium you are fully protected by our 100% Satisfaction Guarantee.
If you decide that SuperGuide Premium is not for you, just let us know any time within the first 30 days and we'll send you a prompt refund.
No questions asked.
It’s never too late (or too early) to take control of your finances, and you will be surprised how small changes can make a big difference.