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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.

How will the gender pay gap affect your super?

Due to a number of social, economic and biological factors women are retiring with on average 47% less superannuation than men. Find out how the super gap will affect your retirement.

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What's the deal with superannuation and working in the gig economy?

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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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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What do kids think about superannuation?

In partnership with Starts at 60, we had group of wide eyed kids ask a retiree about saving money, the pension, superannuation and what exactly is an income stream.

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Understanding superannuation lump sums and your Age Pension entitlement

If you are considering taking a lump sum to bolster your at-call cash reserves, help fund home repairs, pay off debts or spend it in other ways, it’s important to understand how this particular asset may affect your financial position, particularly if you intend to rely on a part- or full Age Pension.

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How super can work with the pension for a healthier retirement income

In this article, we’ll explore the Age Pension income and assets tests, and how super income streams can be a flexible, tax-effective option for managing your super in retirement, while making the most of your pension entitlements.

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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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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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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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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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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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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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Closing the super gap

If your superannuation isn’t looking so super, here are some tools and tips on how to boost your savings for retirement.

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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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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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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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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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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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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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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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A big decision for retirees: The best way to turn your super into income

Many of those industry super members aren’t aware of the options they have to maximise their income in retirement.  

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Do I stay or do I go: The big decision on your retirement income stream

Having about half a million dollars in superannuation savings would be a dream come true for many Aussies. Literally. Yet, hitting 65 with a very health super balance isn’t entirely worry-free.

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How super and property can combine to boost your retirement income

Having a well-diversified investment portfolio that includes property is something most Aussie workers aim for in preparation for retirement.

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Industry superannuation funds continue to outperform retail super funds

Unlike retail super funds, industry super funds don’t pay commissions to their staff or other financial advisers and don’t pay dividends to shareholders, therefore allowing profits to be returned to their members.

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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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On super reform, the government’s picking a bad and needless fight

The government will soon introduce reforms that could reshape Australia’s $2 trillion superannuation sector, and have sparked considerable debate within the industry. 

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The Big Four Banks want to rule superannuation on their own terms

Proposed changes to Australia’s $2 trillion superannuation sector could see Australia’s largest banks come to dominate the industry, reducing consumer protections and affecting people’s retirement outcomes.

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Why $200,000 super can help you have a decent retirement lifestyle

Modelling shows that a super balance of $200,000 can provide a healthy supplement to the Age Pension.

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How $50,000 in super can create a handy retirement income

Many people could sleep a bit better at night if they knew that even a relatively small superannuation balance could create a regular income to bolster their pension entitlement.

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Super myth bust

Choosing where to invest your savings, and how to turn them into a income, are big decisions. Don't let these common super myths compromise your choices.

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Real life unpaid super stories

Four Australians share their unpaid super stories. No matter what work you do and no matter how old you are, it’s never too late to try and secure your super. 

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