ETFs: How do I use them and what do they cost?
Exchange-traded funds have exploded in popularity in recent years as an efficient, cost-effective way to build a portfolio, with new funds launched almost monthly.
Articles by Barbara Drury
SMSF returns are on par with large funds
Well diversified SMSFs with $200,000 or more in assets perform as well or better than large funds, but funds in pension phase do things differently to the rest.
What to do if the market tanks and you’re retired, or close to it
Volatile markets and an uncertain economic outlook are challenging for investors, especially if you are close to retirement. But even retirees can benefit from playing the long game.
How much does financial advice cost?
There’s a perception that financial advice is just for the wealthy. While the cost can be high, the amount you pay will depend on the complexity of the advice and where you get it.
SMSFs: Minimum account-based pension payments, strategies and calculator
SMSFs in pension phase need to be extra careful when setting their pension payments for 2023-24, as minimum drawdown rates double from 1 July.
Early release of super on compassionate grounds
While compassion is a general term, the ATO applies strict rules when deciding whether you can withdraw some of your super early on compassionate grounds.
Early release of super due to severe financial hardship
You may be able to withdraw a small lump sum from your retirement savings if you are in severe financial hardship and not otherwise eligible to access your super, but strict rules apply.
Accessing super: Reaching age 65
Once you turn 65 the last barriers to dipping into you super come down, even if you’re not ready to retire.
How to read a super fund PDS
Are you and your super fund a perfect match? All will be revealed in your fund’s product disclosure statement.
Latest Choice super heatmap shows progress but fees remain high
Super funds that allow member choice improved their performance overall in the year to June 2022 but high fees persist, especially for Choice funds closed to new members.
How to compare super funds in 7 easy steps
Comparing super funds may not seem very exciting, but getting into a quality fund that meets your needs could be one of the best things you do for your retirement.
Low Income Tax Offset (LITO): How it works
Low-income earners may be eligible to reduce their tax bill by as much as $700, without lifting a finger. Check our guide to who’s eligible and for how much.
What to teach your (big) kids about super
If your kids are old enough to have scored their first fulltime or part-time job, now’s the time to pass on everything you wish you’d known about super at their age.
Accessing super: Ceasing employment after 60
One of the milestones in your super journey is reached when you turn 60 and can access your super tax free, under certain conditions.
What government services are available for older Australians?
With the cost of living on the rise, it’s worth making the most of the government discounts and services for older Australians in your state or territory.
Common ‘myth-conceptions’ about retirement income
Many retirees live more frugally than necessary for fear their money will run out, but what if their worries are unfounded? We explore this and other common misconceptions.
Financial advice: We want it, but cost is an issue
With the cost of living on the rise, Australians are concerned about their finances but can’t find the advice they need at a cost they are willing to pay.
Is an SMSF right for you?
SMSFs have many fine qualities, but they’re not for everyone. Before you leap in, it’s important to weigh up the costs and benefits for your personal situation.
