How the Division 293 tax works: Super surcharge for high earners
High-income earners pay extra tax on their concessional super contributions, so it’s important to understand the rules.
What to do if you exceed your super contributions caps
Going over your annual limits for super contributions can cause problems and cost you money, so it’s important to know what to do if you have.
In your teens? The super rules that apply to you
Your first job can be exciting, but it’s important to remember your weekly pay could come with super contributions, so here’s the rules applying in your teens.
In your 60s? The super rules that apply to you
When you reach your 60s, the rules around making contributions and withdrawals from super start to change, so it’s important to know what’s what.
In your 70s? The super rules that apply to you
If you’re still adding to your retirement savings in your 70s, it’s important to know the super rules, as making contributions becomes tougher after age 75.
Checklist for employers to master your super responsibilities
Getting the details right when it comes to paying employees’ super can be tricky, so use our 7-point checklist to ensure you meet your super obligations.
Claiming a tax deduction for your employees’ super: What are the rules?
Tax deductions are a valuable sweetener for employers when making super contributions for their staff, but which payments can you claim?
Super Guarantee Charge for employers: What is it and what are my options?
Failing to make your quarterly SG contributions on time and to the right fund will leave you with a Super Guarantee Charge bill, which can be expensive.
Calculating your employees’ SG contributions? The rules to help get it right
Working out the right SG contributions for your employees can be confusing, but if you learn the rules there shouldn’t be any problems with the tax man.
How carry-forward (catch-up) super contributions work
If you haven’t used all your concessional contributions cap in recent years you can use them to play catch-up and get a handy tax concession to sweeten the deal. We explain how.
Planning to retire at 65? What you need to consider
While the Age Pension age has crept up to 67, the average age of retirement in Australia is closer to 65. Filling the income gap with super will require careful planning.
Planning to retire at 60? What you need to consider
Once you turn 60 it is easier to access your super provided certain conditions are met.
Planning to retire before turning 60? What you need to consider
If you want to retire early you will need sources of income other than super now that the super preservation age has increased to age 60.
What to consider if you’re forced to retire early
Being forced into retirement earlier than planned is surprisingly common. Although it may upend your retirement plans, there are steps you can take to avoid it becoming a disaster.
Workforce age discrimination and what it means for your super
When it comes to paid employment, age discrimination can seriously affect your retirement plans, so what if you find yourself facing an unplanned retirement?
Downsizer super contributions: Rules and eligibility
Eligible downsizer contributions can be a great way to boost your super without falling foul of many of the rules affecting other super contributions.
Winding up an estate: 11 steps to help get the job done
As you get older, you’re likely to find yourself undertaking the painful task of winding up an estate for a spouse or family member, so it pays to know the key responsibilities of an executor.
What different types of financial advice should I consider?
Good advice can make a big difference to both your financial position and retirement plans, but it can be confusing to know what’s available and who to ask.
