SuperGuide Premium Your independent superannuation and retirement planning expert
Make the most of the benefits of super
- Learn tax-friendly super, investment and retirement strategies that can improve your super balance, or your income in retirement.
- Discover which super funds, pension funds and asset classes are the best short-term or long-term performers.
Stay on top of ever-changing rules
- We monitor key superannuation and retirement-related legislation so you don’t have to.
- Get all the essential information on current rules, rates and thresholds in one place, and from an independent perspective.
Have greater confidence in your retirement plans
- Gain a comprehensive understanding of superannuation, SMSFs, Age Pension and retirement planning, from beginner to advanced topics.
- How-to guides, strategies, checklists, case studies, calculators and reckoners make it easier to understand what is important for you.
You can subscribe on an annual or a monthly basis
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.
What's included in a SuperGuide Premium subscription?
SuperGuide Premium has 8 main sections
SuperGuide Premium can help you answer important questions such as:
For everyone...
- What were the best performing super funds, over 1 year, 5 years and 10 years?
- What are the latest super changes, and how do they affect me?
- What are the current super and tax rates and thresholds?
- How, and how much can I contribute to my super fund?
- How do I compare funds or choose a fund?
If you have (or are considering) an SMSF...
- How do I set up and run my SMSF according to the super rules?
- 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?
- How do I run my SMSF pension?
If you are planning your retirement...
- 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?
- What super strategies are the most appropriate for my age?
- How and when can I access my super?
- Will I be eligible for the Age Pension or other entitlements?
If you are in retirement...
- How can I manage my super and other entitlements in retirement?
- What are the latest retirement or Age Pension changes?
- How much Age Pension might I be eligible for?
- What are the super and retirement rules for over-65s?
- What were the top performing pension funds, over 1 year, 5 years and 10 years?
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 experts
We have been in the superannuation industry for more than 30 years, and have published more than a dozen books (including Superannuation for Dummies and DIY Super for Dummies) that help Australians improve their financial future.
We're comprehensive
Over the last 10 years we have developed a library of 650+ 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 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.
Who is behind SuperGuide?
SuperGuide is an independent organisation founded in 2009 by Trish Power, author of books such as Superannuation For Dummies, DIY Super For Dummies, Age Pension made simple and Super Freedom.
"I started SuperGuide because I passionately believe that Australians are entitled to quality and up-to-date information about something as important as financial security, and retirement.
Over the past decade we have developed SuperGuide into a comprehensive, easy-to-read and easy-to-use information resource for all Australians."
Trish Power - Co-founder and Publisher
Don't just take our word for it
In 2015, in recognition of the quality of the SuperGuide service, we accepted an invitation from the National Library of Australia for SuperGuide to be included in the NLA collection. The NLA archive collection is reserved for websites that are considered "of significance and to have long-term research value".
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.
You may be able to claim your subscription as tax deduction or SMSF expense*.
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.
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.
Trish, Many Thanks to you and your team. Superannuation laws, and the many changes continually made to them by each successive government, would be completely incomprehensible were it not for your website.
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!
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.
I like the way you write in a simplified way – makes it easier for a lot of us!
Trish – Having followed your writings for years, may I say that your website is far, far superior to any other source of information within Australian mainstream publishing.
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!
Excellent source of information that give very good case studies and examples. Much easier to understand than the ATO website and factsheets.
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.
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.
Even when 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
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.
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