Unlocking the Secrets of Superannuation: Insights from Adviser Michael Osbourne
There are multiple avenues to save and invest money. The money in your super is invested by your fund, in shares, on your behalf. So you may be wondering if it's worth buying shares outside of your super, or investing extra into your super.
There’s a common misperception that superannuation is an investment, however, it’s really a place to save in a low-tax environment where you get to choose how it’s invested, Financial Adviser Tony Daly explains.
New rules coming into force on July 1 will create opportunities for older Australians to boost their retirement savings and younger Australians to build a home deposit, all within the tax-efficient superannuation system.
If you’re nearing retirement and keen to be debt-free when you get there, you may be considering whether taking your super as a lump sum to pay off your home loan is a good decision.
In this month’s edition of Ask an Adviser, we interview our Financial Adviser, David French to answer your top asked questions on how to choose and tailor your super fund for your best possible life in retirement.
As the new financial year gets underway, there are some big changes to superannuation that could add up to a welcome lift in your retirement savings.
What will happen to your superannuation following separation? How is superannuation division decided? How can you arrange to split super with your ex-partner? Find out more in this article.
It's a question that will run through all of our minds. How much superannuation do we need for a comfortable retirement? In this article we look at two types of retirement lifestyle: modest and comfortable, and how much singles and couples need.
The principle of ‘salary sacrificing’ may not sound very appealing but it can have some real financial benefits. So is it worth it? and how can you use it to get ahead?
As anyone who has joined the weekend crowd at Bunnings knows, Australians love DIY. And that same can-do spirit helps explain why 1.1 million Aussies choose to take control of their retirement savings with a self-managed superannuation fund (SMSF).
Did you know over the last decade there has been a rise in Australians living and retiring solo? So, you’re not alone! Financially it can be harder for singles in retirement compared to couples, and many people do wonder how much does a single person need to retire?
If you were one of the many who accessed the governments early super release program after being financially impacted by COVID-19 you may want to consider ways to boost your super to ensure your retirement savings goals remain on track.
Temporary early release of superannuation: who is eligible, should I use this option, how will it impact me later on?
As the world deals with Coronavirus, international economies have been hit hard. Uncertainty has created market volatility at an extraordinary pace, leaving Aussies extremely worried about the impact on their superannuation.
A little effort and clarity can go a long way when it comes to your superannuation.
Defining performance and managing expectations is all part of investing. Is it worth all the risk? What is the right time-frame? What fees are involved? We explore these questions and more.
The federal government has introduced new laws for protecting your superannuation from becoming eroded in accounts that aren’t being used. Here we look at the ins and outs of the ATO’s new Protecting Your Super Package.
It’s never too early to start thinking about your Super – here are the basics of Australian superannuation.
Depending on how much you have in super, it’s worth considering any implications of withdrawing this money, such as how the money may be taxed, and whether a withdrawal may affect Centrelink payments, such as the Age Pension.
Recently, the Federal Government introduced the Protecting Your Super package. The intent behind the legislation is to ensure that the premiums for insurance policies inside super don’t erode the balance of inactive accounts. With the automation of closing Insurance accounts for those inactive accounts, many Australians could find themselves under-insured.
How much do super funds vary and what should you do about it? What does a 'balanced' investment mean? Why does it matter?
Take a look at how your super balance compares to others, how much you'll need for a comfortable retirement and what you can do to maximise your financial potential.
Have you thought about what's happening with your superannuation? What do you need to know about your super? Here are some basics of the current super legislation that you should know.
How do you measure up?
Is boosting your super or paying off a home loan more important?
4 things Gen Y often don't know about their superannuation
The average profile of an SMSF member in 2017 is dramatically different from the stereotype that has arisen over the years.
it's a simple process
Consider John and Jane’s story before new rules limit your super contributions and pension transfer options.
