Posts
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My retirement planning diary (Part 4): Crunching the numbers
Now that I have a retirement income target in mind, it’s time to buckle up and test drive some retirement income calculators to see if my target is achievable.
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Understanding the difference between your total super balance and your transfer balance cap
The acronyms may be similar, but your total super balance (TSB) and transfer balance cap (TBC) are not the same thing. We clear up the confusion and explain how they affect what you can do with your super.
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Superannuation rule changes from July 2025 (and previous years)
Navigating your way around the constant rule changes in the super system is tricky, so here’s our annual list of the modifications you need to know about.
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Division 296: How the new super tax works (including calculator)
Under Division 296, individuals with superannuation balances above $3 million will face additional tax on their investment earnings. Find out how you could be affected (now and in the future).
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Key superannuation rates and thresholds for 2025-26
A new financial year brings updated thresholds for a range of super measures. Take a look at the new numbers to check for opportunities.
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Income tax calculator (2025–26 and previous years)
Enter your taxable income and the calculator will show your total tax, marginal tax rate and your effective tax rate.
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A simple guide to what tax is payable on super death benefits
Your beneficiaries could end up paying more tax than necessary when they receive your superannuation death benefit if you don’t learn the rules that apply.
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Concessional super contributions guide (2025-26)
Concessional contributions make up most of the money going into your super account, so it’s important to understand what these are and how they work.
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How the government co-contribution scheme works (including calculator)
A free co-contribution payment made by the government into your super account can be a great way to boost your super account if you have some money to spare.
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What is the maximum super contribution base?
High-income earners face a quarterly cap on the amount of income on which their employer must make SG contributions. Here’s the limit for 2024–25.
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Making superannuation contributions: Super for beginners guide
It can be confusing to understand all the different types of super contributions. But it’s worth learning the main types and what each one offers you.
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In your 50s or younger? The super rules that apply to you
When you reach your 50s, it’s time to get serious about your super, so here’s the key super rules for your age group.
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Deeming rates (2025-26) and calculator for the Age Pension income test
Under the deeming rules, you are ‘deemed’ to earn a certain annual rate of return on your financial assets, regardless of the rate of return you actually earn.
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How much super do I need to retire on $60,000 a year?
Once you know how much retirement income you are aiming for, we show you how to calculate the amount of super you will need to fund it.
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SMSFs: How to start a pension
There are decisions to make and steps to take before a fund member can start withdrawing retirement income from their super. Here’s what trustees need to know.
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Superannuation Guarantee contributions rate and rules
With Super Guarantee (SG) contribution rates changing again, it pays to understand the rules and the rate your employer is required to pay in 2025-26.
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How LISTO works (Low Income Superannuation Tax Offset)
The Low Income Super Tax Offset is a government rebate that can help boost your super and make saving for retirement a little easier.
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What to do if your employer doesn’t pay your super
Chasing your unpaid super contributions can be difficult but there are things you can do to get the money you’re owed and ensure your super account keeps growing.