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Features and articles

See our latest features and articles to stay up to date on the latest issues in superannuation and retirement.

Why taking super as an income stream works better for most Aussies

Who takes a lump sum and why?

The large majority of Australian superannuation assets are taken as income streams.

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Six steps to boost your super as you near retirement

It's likely that many of today's retirees will spend at least a quarter of their life in retirement

Understandably, if you’re one of the many Baby Boomers who didn’t benefit from having superannuation guarantee contributions throughout your entire working life, you may be concerned you’re not going to have enough in your super fund to be comfortable throughout this long retirement.

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Federal Budget 2018

What are the impacts on super and retirement?

The 2018/19 federal budget was delivered by Treasurer Scott Morrison on Tuesday 8 May 2018. Here are the changes affecting superannuation and retirement.

 

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Should I Use My Super To Buy My First House?

Getting into the housing market as a first-time home buyer in 2018 can feel like an impossible dream. So what is the First Home Super Saver Scheme and could it help?

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Super and divorce or separation

What happens to super in a divorce or separation?

Divorce or separation can be extremely difficult. On top of the emotional stress, it’s often quite overwhelming to keep track of everything. However, planning for your future remains more important than ever, and that includes managing your superannuation.

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How the super freeze could be costing you thousands

Australians are missing out on tens of thousands of dollars at retirement

It’s been almost four years since the government put a freeze on an increase in the superannuation guarantee — the compulsory superannuation contribution made by employers for their workers.

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Are you missing out on super?

Almost one-third of Australian workers are missing out on some or all of their superannuation entitlements

No matter what stage you are at in your working life, ensuring you are being paid your full superannuation entitlements could be worth literally tens of thousands of dollars

 

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Australian women facing grim retirement due to gender pay gap

A growing number of Australian women do not have enough money to retire comfortably

The pay gap translates into superannuation and retirement savings, with women retiring with almost half as much in superannuation than men, leaving them at much greater risk of poverty and homelessness. 

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The Gender Super Gap

How will the gender pay gap affect me in retirement?

For the last two decades, the gender pay gap has hovered between 15% and 19%. A lifetime of lower wages for women results in fewer and lower super contributions, plus they miss out on compounding returns.

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How the big banks could change the superannuation landscape

The Federal Government is proposing changes to the way super funds are run that could have a big impact on the industry. But will these changes benefit super funds owned by the big banks at the expense of the not-for-profit super industry – potentially leaving members worse off?

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Doing One Simple Thing Could Mean More Money In Retirement

It's time to take control of your super and boost your funds in retirement.

Of the 14.8 million Australians with a super fund account, approximately 40% have more than one super account. These Australians pay extra fees on multiple accounts and probably have a lot of trouble keeping track of their total superannuation.

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Where does my superannuation go when I start a new job?

You can take your superannuation account with you

When you start your new job, your employer should ask which super fund you’d like them to make your super contributions to. 

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Five super simple tips to save for the future

Don't plan on working forever?

One day, you’ll want to retire, which means it’s never too early to think about your superannuation. Thankfully, we’ve put together some simple ways to boost your super so you can have more money in the future.

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Self-employed Australians could be missing out by not paying super

Think of your super as your retirement plan

While it might not seem important now, you should know your options and why getting your superannuation in order is important for your future.

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Retirement expectations

What are your thoughts on retirement?

We invited people close to retirement and people in retirement to answer some questions about retirement. Here are their thoughts:

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Imputation credits – what are they and will the proposed changes affect you?

The announcement by the Federal Opposition to cease refunding unused imputation credits has resulted in widespread media commentary on the impact on retirees. There is a risk that some of the commentary could mislead the public as to the effect of the proposed policy.

We are seeking to explain what imputation credits are, who they are likely to affect and how fine-tuning the policy could reduce or remove the impact on pensioners with small and moderate parcels of shares.

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