Superannuation, or just “super”, is money set aside for you while you work, so you can live off it when you retire. In Australia, employers must pay a percentage of your wage into your super account. This money is invested…
If you have ever asked yourself, “How much super do I need to retire?” you’re not alone. It’s one of the most common retirement questions Australians ask, and the answer depends on the lifestyle you want, not just your age…
It’s the big question on everyone’s mind: Can I withdraw from my superannuation early? The purpose of having a super fund is to accumulate it over time as a long-term investment to set you up for retirement. This being said,…
Congratulations on your job promotion or salary increase! A job promotion, salary increase, or new high-paying role is a significant achievement—congratulations! While extra income is exciting, it also brings new financial responsibilities. For high-income earners, making informed decisions about your…
A Self-Managed Super Fund (SMSF) is a superannuation fund that allows individuals to take full control of their retirement savings. Unlike traditional super funds managed by financial institutions, an SMSF is run by the members who act as trustees. This…
Too many people spend money they haven't earned, to buy things they don't want, to impress people they don't like. – Will Rogers An inheritance can be a once-in-a-lifetime opportunity, but it comes with emotional weight and financial complexity. Without…
Australia’s superannuation system—now valued at over $4.2 trillion—has long been one of our proudest national achievements, built on bipartisan policy, decades of discipline, and trust from everyday Australians.
Superannuation is one of the most tax-effective ways to save for retirement in Australia, and making contributions to your super fund can significantly improve your financial future. There are two types of contributions you can make: concessional and non-concessional. Both…
Self-managed super funds (SMSFs) give individuals greater control over their retirement savings and offer flexibility in investment decisions. One popular strategy within SMSFs is using Limited Recourse Borrowing Arrangements (LRBAs) to invest in assets such as property. While LRBAs can…
A self-managed superannuation fund (SMSF) is a private superannuation fund that allows you to control your retirement savings. Unlike retail or industry super funds, SMSF members are also the trustees, meaning you can make decisions about how your fund is…