Platforms and wraps: Benefits and downsides
Technology is at the heart of recent innovation by platform providers as they compete against each other, industry funds and SMSFs for your super and non-super investments.
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How superannuation works: Super for beginners guide
Super often ends up being your biggest asset outside the family home, so it pays to understand how it works and then to keep tabs on it.
Super news for November 2024
The Trump effect on markets, Under-18s missing out on super, Cbus slammed for claims delays, Retirement attitudes changing.
Modern retirement modelling: Increasing confidence in retirement planning
Asking how much money you need to retire is like putting the cart before the horse. In reality it’s a trade-off, between the lifestyle you want, how early you want to retire and how confident you want to be that your money won’t run out.
Minimum pension drawdown rates (2024–25) and calculator
Retirees with an account-based super pension are required to withdraw a minimum amount each year. This is how it’s calculated.
Are pension withdrawal rates safe?
Retirees often regard the government-mandated minimum withdrawal rates for their super pension as a default maximum, so how are these rates set and should you consider withdrawing more?
Super funds of the year awards: Best super funds for 2024-25
After a major overhaul of its fund offerings and member services, Aware Super has been awarded the best overall fund by the two major ratings groups, SuperRatings and Chant West.
Selecting a retirement income calculator
Most super funds provide tools to help you estimate your annual retirement income and how long it should last. But how reliable are they? It pays to know what to look out for.
Pension fund of the year 2024-25: What makes a winner?
UniSuper’s focus on member services as well as superior returns has earned it SuperRatings’ latest award for the top retirement offering.
SMSFs: Running multiple pensions for the one member
Running multiple pensions from the one SMSF can be extremely beneficial. From tax planning to estate planning, there is a lot to consider!
SMSFs: What are the lump sum withdrawal rules?
Do you know the difference between pension payments and lump sums? The process for taking a lump sum from your accumulation account or your pension account?
Q&A: I’m 63. Can I start a transition-to-retirement pension if I quit one of my jobs?
Q: I am currently 63 and I work 4 days a week as a receptionist in a doctor’s surgery. I also work 2 days a week in the local chemist. Can I commence a TTR once I cease my role at the chemist shop?
Which super funds offer income for life?
It’s been a long time coming, but more super funds are now, or soon will be, offering retirement products that reduce the risk of outliving your savings. Here’s what’s on offer.
How to afford a ‘comfortable’ retirement with less super
New lifetime income products mean you may not need $595,000 to retire comfortably, or $690,000 for couples, as the ASFA Retirement Standard suggests.
Retiring early due to ill health? 6 steps to stay on track
Retiring early due to poor health can really have an impact on your retirement plans and finances, so here’s 7 tips on what to consider.
Q&A: If we transfer assets to a new SMSF, will there be capital gains tax?
Q: My wife and I have set up a new SMSF with a corporate Trustee (we are the directors). We want to transfer the assets from our old SMSF (we are the trustees). Some of the shares have large unrealised capital gains (e.g. Cochlear, CSL). Will there be capital gains tax payable by the old fund?
Making superannuation contributions: Super for beginners guide
It can be confusing to understand all the different types of super contributions. But it’s worth learning the main types and what each one offers you.
Proposed increases to the cost of aged care
If you or a loved one are considering aged care then it could pay to get a wriggle on – the cost of care, both in and out of home, is set to rise from July 2025.
