Superannuation Articles

Relevant Superannuation articles and tips

Jodie Humphries

Personal Finance Editor

Accessing your super at your preservation age

The superannuation preservation age is one of the key triggers for you to access the funds in your super account to support your retirement. How does it work?

Superannuation

30 Nov, 2022

6 min read

Accessing your super at your preservation age

Peter Terlato

Personal Finance Editor

What happens if my employer goes out of business while still owing me superannuation?

In the event that your employer collapses, a trustee, administrator or liquidator will be appointed to manage the company. That trustee/administrator/liquidator will be required to pay your superannuation out of company funds. However, there may be some circumstances where you cannot recover unpaid super.

Superannuation

29 Nov, 2022

4 min read

What happens if my employer goes out of business while still owing me superannuation?

Peter Terlato

Personal Finance Editor

How to open a superannuation account?

Most people open their first superannuation account when they enter into the workforce. This may be as a full-time, part-time or casual employee or as contractor or sole trader (self-employed). Generally, you can nominate a super fund of your choosing.

Superannuation

29 Nov, 2022

6 min read

Peter Terlato

Personal Finance Editor

Is superannuation included in taxable income?

Superannuation (super) is a compulsory savings scheme. You do not need to report the super you’re paid when lodging your tax return each financial year. In order to understand why super is not considered taxable income, you’ll need to realise your tax obligations.

Superannuation

28 Nov, 2022

4 min read

Is superannuation included in taxable income?

Alex Ritchie

Personal Finance Editor

How much superannuation should I have?

The amount of superannuation you need to have at retirement is based on how much money you would expect to spend each week during your retirement.

Superannuation

28 Nov, 2022

5 min read

Alex Ritchie

Personal Finance Editor

What superannuation details do I give to my employer?

When you start a job, your employer will request you provide the details of your chosen superannuation fund. To do so, you will need to fill out what’s called a ‘superannuation standard choice form’, and provide some personal details.

Superannuation

23 Nov, 2022

3 min read

What superannuation details do I give to my employer?

Jodie Humphries

Personal Finance Editor

What you should know about applying for compassionate release of superannuation?

You can apply for early release of super on compassionate grounds either online or by mailing a paper application. Make sure to include the necessary documents.

Superannuation

18 Nov, 2022

3 min read

What you should know about applying for compassionate release of superannuation?

Peter Terlato

Personal Finance Editor

Am I entitled to superannuation if I'm not an Australian citizen?

If you’re an expat visiting and working in Australia, your employer may be required to make superannuation contributions on your behalf to a super fund of your choosing. Selecting the right super fund can make all the difference to your total savings.

Superannuation

18 Nov, 2022

5 min read

Am I entitled to superannuation if I'm not an Australian citizen?

Jodie Humphries

Personal Finance Editor

What is the difference between superannuation and a pension?

Your superannuation gives you a super income stream or pension to meet expenses in your retirement. But can you also get the Age Pension provided by the government? What is the difference between superannuation and a pension?

Superannuation

27 Sep, 2022

4 min read

What is the difference between superannuation and a pension? | RateCity

Jodie Humphries

Personal Finance Editor

Salary sacrifice or after-tax contributions: which should you choose?

Voluntary contributions to your super can help you reduce your tax burden and grow your wealth. But should you make these by salary sacrifice or after-tax contributions?

Superannuation

09 Sep, 2022

3 min read

Salary sacrifice or after-tax contributions: which should you choose? | RateCity

Georgia Brown

Personal Finance Editor

Is an aggressive or balanced super investment option better when you're young?

If you’re just starting out in your career, you may be wondering what kind of superannuation investment option you should choose now to achieve the greatest outcome by the time you reach retirement.

Superannuation

02 Sep, 2022

3 min read

Is an aggressive or balanced super investment option better when you're young?

Jodie Humphries

Personal Finance Editor

SMSF Costs: Everything you need to know

If you’re thinking of keeping your super savings in a self-managed super fund (SMSF), you’ll need to have an idea of SMSF setup costs. You will also need to estimate the costs to maintain an SMSF.

Superannuation

17 May, 2022

3 min read