Superannuation

Self‑managed superannuation fund (SMSF) trustees often have a great deal on their to‑do lists, but the early months of 2026 are shaping up to be even busier than usual. Several SMSF changes are scheduled to take effect, and preparing early will be essential.

Your superannuation is likely to grow into one of your most significant financial assets, so it’s worth giving it regular attention. While many people don’t think about super until they’re close to retirement, the decisions you make today, even small ones, can meaningfully influence your final balance.

As the federal government moves to introduce additional tax on superannuation earnings above $3 million (known as the Division 296 tax), concerns emerged about its broader implications for investment strategies, retirement planning, and even the property market. In...

With the new financial year comes a fresh wave of superannuation changes that could make a real difference to your retirement savings. Let’s unpack these superannuation changes and how you can make the most of them. The super guarantee rate hits 12% One clear boost to...

More than half of us set a new financial goal at the beginning of 2025, according to ASIC’s MoneySmart website. While most financial goals focus on saving money and paying down debt, the months leading up to 30 June present an opportunity to review your super balance...

Some investors find it satisfying to take a do-it-yourself approach to retirement savings by managing their own self-managed superannuation fund (SMSF) and taking responsibility for its growth. While an SMSF gives you full control over how your retirement funds are...

Self-managed super funds (SMSFs) can offer their members many benefits, but one that’s often overlooked is their potential as a multigenerational wealth creation and transfer vehicle. Family SMSFs are relatively rare. According to the most recent ATO statistics...

What happens to a Self-Managed Super Fund (SMSF) when a trustee dies or becomes mentally impaired? While these are circumstances that many of us would rather not think about, spending some time planning now could make a significant difference for you and your family...

Loaning money from an SMSF to fund members or relatives is against the super laws and can result in large fines for trustees, so it’s important to know the rules and not use SMSF savings for anything other than retirement purposes. New ATO estimates show that, in 2020...

As the end of the financial year approaches, some investors are considering the most effective ways to boost their super balance, especially with increased super contribution caps from 1 July. The concessional contributions cap, which is the maximum amount of...

We spend decades watching our super balances grow but for those thinking about retirement in the next few years, it can be confusing to work out how best to use your super. Here are some of the considerations for the popular options. Easing into retirement You can...

If you’ve had irregular or interrupted income in the past, you might have missed out on opportunities to contribute to super and boost your retirement savings. If you don’t fully utilise your concessional cap, and you’re eligible, you may be able to 'catch up' on...