SMSFs and insurance: Rules and considerations
Even if you have life insurance outside super or in a pre-existing fund, SMSF trustees are still required to consider their insurance strategy.
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Super or mortgage: Where should I put my extra savings?
It’s a common question with no simple answer; you will need to do your own sums. We show you how.
Best performing super funds: Growth category (61–80%)
The list of top 10 Growth funds in 2024 rounded up some of the usual suspects with a few newcomers, but over 10 years the top funds remain remarkably consistent.
Super fund performance reckoners: Annual returns for 5 investment categories
In these reckoners you can view the median super fund returns for 1, 3, 5, 7, 10 and 15 years across five different investment options for the last 10 calendar years and 9 financial years.
Super fund performance over 32 calendar years (to December 2024)
Super funds went above and beyond in 2024, with the median Growth fund up 11.4% and even the most conservative investment options performing strongly.
Super fund performance: Monthly returns to December 2024
Despite a late stumble, super funds delivered double-digit returns in 2024 for members in growth options and solid returns for those in more conservative options.
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 going back to January 2016.
Super news for January 2025
Support for payday super, Double digit super returns, Cash here to stay, Unlisted asset valuations
What are the buy/sell spreads charged by my super fund?
Could you be overlooking some of the costs in your super? Find out how buy/sell spreads can take a bite of the pie.
What are unit pricing and crediting rates and why do they matter?
Ever wondered how your super fluctuates over time? Understanding unit prices and crediting rates is the key to unlocking how your fund calculates returns.
What are the penalties for SMSF non-compliance?
SMSFs offer a high degree of flexibility and control over your retirement savings, but there are legal guardrails and hefty penalties for trustees who breach them.
The role of cash and bonds in your portfolio and what’s available
High interest rates are loathed by borrowers but they are money in the bank for people seeking reliable income with a high degree of safety from their investments.
Should retirees use their super to become debt free?
There are pros and cons to using some of your super to repay your mortgage when you retire. This is what you need to consider.
Tips to boost your super when time is on your side
Retirement may seem distant, but focusing on your super with plenty of time up your sleeve can set you up for a secure future and minimise sacrifices down the line.
How long you can expect to live and what it means for your super
While none of us knows exactly how long we will live, you can narrow the possibilities with these life expectancy projections based on Australian numbers.
How to measure the financial impact of delaying retirement
If you are weighing up whether you can afford to retire sooner rather than later, it’s worth calculating some different scenarios before you pull the plug on your working life. We show you how.
How sequencing risk affects your retirement
Sequencing risk can ruin even the most carefully planned retirement. Losses and low returns just as you move into retirement mean you will have much less to spend.
Can I get free financial advice?
If you could do with some help with your finances but can’t afford a professional adviser, all is not lost. Free financial advice and digital tools are out there if you know where to look.
