Age Pension increase, How to read your super statement, Risk and diversification, latest super news and performance
Highlights of the September 2019 edition of the SuperGuide newsletter include:
- AGE PENSION INCREASE: The Age Pension rates increase from 20th September. We detail the new rates and thresholds and our Age Pension calculator has been updated so you can estimate how much you may now be entitled for. You can even test your Age Pension knowledge with our new quiz.
- HOW TO READ YOUR SUPER STATEMENT: Millions of Australians will soon be receiving their annual super statement. We list what you should check to make sure your super is working for you.
- 5 WAYS SEQUENCING RISK IMPACTS YOUR RETIREMENT: If you’re close to retiring, you need to understand about sequencing risk and what you can do to mitigate it. In a separate article Barbara Drury gives you some ideas on what to do if the market crashes when you are in or nearing retirement.
- INVESTMENT RISK AND DIVERSIFICATION: Risk is part of life and investing. It’s necessary but with some knowledge you can use it to your advantage. In separate articles we look at nine key investment risks and how the big super funds diversify.
- SUPER STRATEGIES AFTER LOSING YOUR SPOUSE: WHAT ARE THE RULES? Nobody wants to plan for loss but putting a strategy into place now can make a difficult time easier and more financially secure.
- LATEST SUPER NEWS AND PERFORMANCE: We provide a snapshot of the key super news for September, and the median super fund performance to the end of August.
RETIREMENT PLANNING
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. Read more.
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. Read more.
Sequencing risk can ruin even the most carefully planned retirement, with losses and low returns as you move into retirement reducing how much you can spend. Read more.
Sequencing risk can ruin even the most carefully planned retirement, with losses and low returns as you move into retirement reducing how much you can spend. Read more.
Once you’ve blown out the candles on your 60th birthday cake, retirement beckons. Or does it? For many Australians, the path to retirement has twists and turns they never imagined. Read more.
Once you’ve blown out the candles on your 60th birthday cake, retirement beckons. Or does it? For many Australians, the path to retirement has twists and turns they never imagined. Read more.
Deciding whether to take your partner’s super death benefits as a lump sum, pension or a bit of both requires careful planning; the earlier the better. Read more.
Deciding whether to take your partner’s super death benefits as a lump sum, pension or a bit of both requires careful planning; the earlier the better. Read more.
Older Australians are wealthier than ever before, so careful estate planning is crucial if you want your super and other assets to be distributed in line with your wishes. Read more.
Older Australians are wealthier than ever before, so careful estate planning is crucial if you want your super and other assets to be distributed in line with your wishes. Read more.
SUPERANNUATION
It’s generally possible to return to work after you retire and start withdrawing your super, but the rules vary according to your age. Read more.
It’s generally possible to return to work after you retire and start withdrawing your super, but the rules vary according to your age. Read more.
If you thought governments were constantly tinkering with super, you’re right. Here’s your guide to the good, the bad and the ugly super changes so far. Read more.
If you thought governments were constantly tinkering with super, you’re right. Here’s your guide to the good, the bad and the ugly super changes so far. Read more.
This month we look at rising mortgage stress for retirees, Fat Cat Funds results, the suburbs with the most unclaimed super and the Better Retirement Outcomes report on super balances. Read more.
This month we look at rising mortgage stress for retirees, Fat Cat Funds results, the suburbs with the most unclaimed super and the Better Retirement Outcomes report on super balances. Read more.
Your annual member statement contains lots of valuable information about your super account, so it’s important to check your fund has been working hard for you. Read more
Your annual member statement contains lots of valuable information about your super account, so it’s important to check your fund has been working hard for you. Read more
SUPER INVESTING
Knowledge, as they say, is power. Find out the ways your super can be impacted by risk and how it can be managed. Read more.
Knowledge, as they say, is power. Find out the ways your super can be impacted by risk and how it can be managed. Read more.
Despite a despondent October performance, super funds are up a healthy 10.3% so far this year with only six weeks to go. Read more.
Despite a despondent October performance, super funds are up a healthy 10.3% so far this year with only six weeks to go. Read more.
Lifecycle funds are designed to reduce risk as you near retirement without sacrificing returns; recent research shows many do just that but you need to know what to look for. Read more.
Lifecycle funds are designed to reduce risk as you near retirement without sacrificing returns; recent research shows many do just that but you need to know what to look for. Read more.
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. Read more.
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. Read more.
SMSFs
The increase in contribution caps from 1 July provides opportunities for SMSFs to potentially get up to $57,500 tax-deductible contributions into their super this financial year. Here’s how. Read more.
The increase in contribution caps from 1 July provides opportunities for SMSFs to potentially get up to $57,500 tax-deductible contributions into their super this financial year. Here’s how. Read more.
Now that SMSFs can have up to six members, it makes it easier to bring the whole family into the super fold, but it’s important to look before you leap. Read more.
Now that SMSFs can have up to six members, it makes it easier to bring the whole family into the super fold, but it’s important to look before you leap. Read more.
AGE PENSION – NEW RATES AND THRESHOLDS
Age Pension rates increase on 20 September 2022. This article also explains how the Age Pension works, and includes the latest Age Pension rates for residents, non-residents, and the transitional… Read more
Age Pension rates increase on 20 September 2022. This article also explains how the Age Pension works, and includes the latest Age Pension rates for residents, non-residents, and the transitional… Read more
Our Age Pension calculator gives you an estimate of your potential Age Pension entitlements based on your situation, assets and income. Read more.
Our Age Pension calculator gives you an estimate of your potential Age Pension entitlements based on your situation, assets and income. Read more.
A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”. Read more
A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”. Read more
This article details the rules and limits of the Age Pension assets test (how much your savings and other assets are worth), which is one half of the means test… Read more
This article details the rules and limits of the Age Pension assets test (how much your savings and other assets are worth), which is one half of the means test… Read more
Take our 10-question quiz to test your knowledge on the Age Pension rules. Read more.
Take our 10-question quiz to test your knowledge on the Age Pension rules. Read more.
