What are the super and Age Pension rules for same-sex couples?
For many years the super system treated same-sex and de facto couples differently, but recent changes to the law have removed the final barriers to equality.
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Janine has over 25 years’ experience writing about superannuation, including a decade as Managing Editor of the ASFA’s highly respected industry magazine, SuperFunds. She has worked with a range of super funds and leading institutional investment managers.
Her work has appeared in the Australian Financial Review personal finance section and she has been a regular contributor to Money Management and Financial Planning magazines.
For many years the super system treated same-sex and de facto couples differently, but recent changes to the law have removed the final barriers to equality.
Indexing is an increasingly popular investment strategy and many super funds offer it as an investment option, but how does it work and what are the benefits?
Keeping detailed records on SG contributions for your employees is essential if you want to avoid problems with the ATO and claim the available tax deductions.
When you are paying SG contributions for your employees, there are various payment options and technologies you can select to make the task a little easier.
There are lots of overlooked benefits that come with your super account, so it’s worth checking out what’s on offer.
Staying in the workforce past the traditional retirement age can have many benefits – both financially and in terms of your physical and mental health.
More disclosure of the investment assets held by your super fund makes for interesting reading and can help you compare different investment options.
Unlisted assets are an important investment for some larger super funds as their more stable returns provide a useful balance for the volatility of listed assets like shares.
When selecting a default super fund for your employees it’s essential it offers a MySuper product. Otherwise, you could find yourself in trouble with the ATO.
While working in the gig economy can be more flexible, it can also be a recipe for a much smaller retirement savings pot if you don’t take steps to fix it.
Diversification is one of the key principles behind good investing and there’s a lot you can learn from how successful super funds invest their members’ money.
Your current investment option plays a big role in determining the investment return your super receives each year. Maybe it’s time to take a closer look.
Although defined benefit funds are disappearing in Australia, if you’re lucky enough to be a member, they can offer a valuable way to save for your retirement.
With an SMSF you can buy the property used by your business to become your own landlord. But how do you ensure you stay on the right side of the tax man?
When planning who gets what when you die, many people forget about their SMSF. It’s not just about the distribution of fund assets, but who’s in control.
Running an SMSF can sound appealing when you start out, but as the years pass there are many reasons you may want out. So, what are the alternatives?
TPD cover is a valuable benefit often provided as part of your insurance cover inside super. But there are important differences between funds, so ensure you check out the details.
Income protection insurance through your super fund can be invaluable for paying the bills if you can’t work temporarily. But it’s important to understand exactly how these policies work.
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