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Superannuation

Superannuation is an important issue, yet many Australians fail to take an active interest in it.

Financial planner and commentator, Peter Switzer, says this disinterest has got very little to do with over-charging super funds.

A bad attitude

“Sure, there are super funds that overcharge and under-perform and there are a stable of under-charging and outperforming funds that always top the charts in all of the newspapers we read. But I reckon millions of Australians, especially the younger ones, suffer from a DCA — a ‘don’t care attitude’.”

This attitude, says Switzer, is crazy.

“Superannuation is, for most of us, the most important asset we will own,” he says.

“For some of us, it will be our home but if someone plays super properly for 30 or so years of working it should be over a $1 million by the time they retire.”

Interestingly, Minister for Financial Services, Superannuation and Corporate Law, The Hon Chris Bowen MP says many Australians will go to great lengths to save 0.01 per cent off their mortgage but pay very little interest in their superannuation.

Learn more, earn more

But it’s up to you to educate yourself when it comes to your superannuation. Don’t just sit there and hope for the best! You have to understand it and its value as a voluntary savings mechanism.

“The biggest message is that the more info you can have about money, the wealthier you will be,” says Switzer.

Call in the experts

Switzer says some financial planners get bagged for selecting expensive products and some should be hauled over the coals but others use self-managed super funds to bring the costs down.

“Others think laterally about their clients’ needs and come up with great money-saving and money making ideas that can result in very healthy financial outcomes,” says Switzer.

“A great financial planner is just like a money coach who does the thinking, the planning and the strategy for their client.”

Guidance you can trust

Switzer says it’s ridiculous to think of a planner as some kind of guru who can always pick the stock market right and will get big returns every year.

“However, they should be able to justify their charges by creating a plan that will mean their clients’ goals are met.”

He says your planner should be an honest partner whose guidance you can trust.

“If you find a planner like that, I bet he or she will create a plan where the costs will be small compared to the returns.”

Seek quality advice

For proof, Switzer points to a quote from fashion icon, Gucci:

“Quality is remembered long after the price is forgotten.”

“If you’re slack with super and you can’t or won’t get the best for yourself, then seek expert help from someone you can trust but don’t ignore this really important asset,” says Switzer.

So, get smart when it comes to your superannuation!

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04 September 2013 - by Peter SwitzerI have been watching your views on interest rates and you seem to think there is one more cut to go,... read more >

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02 September 2013 - by Peter SwitzerI am turning 60 and have been told that I can access my super without really retiring from work. I... read more >

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15 August 2013 - Tony NeglineThe re-born Rudd government is on record as saying they won’t introduce any super changes for the... read more >

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08 August 2013 - Peter SwitzerI have a good business and pay myself a good wage but I do have a number of negatively geared properties... read more >

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01 August 2013 - Could you explain who gets my super money if I should die? I was told that I have to reaffirm who I want my super... read more >

What are the main advantages of becoming a pensioner?

28 July 2013 - I am 55 years of age and have been told that I should take on a transition to retirement pension. What are the main... read more >

How can I boost my super?

20 July 2013 - I am now in my late-40s and I keep hearing of so many people with much larger sums in super and I don’t know... read more >

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12 July 2013 - By Roger Montgomery Brambles, the world’s leading supplier of pallets, has recently announced that it will... read more >

Defence Housing Australia – road test

26 June 2013 - Defence Housing Australia is a residential property developer that builds property for defence personnel and offers... read more >

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25 June 2013 - My husband has volunteered to be a house-husband, but he has asked me not to call him that. It means he looks after... read more >

Your super questions answered

19 June 2013 - I am trying to make sense of the lingo that goes with super but it seems the language is designed by public servants,... read more >

Buying property overseas inside an SMSF

16 June 2013 - I have been toying with buying a parcel of land and building a house overseas. Can I do it inside a self-managed... read more >

Your questions answered

28 May 2013 - I am 32 with about $100,000 in super — I have been putting extra in — and I have not investigated the... read more >

Who pays your super increase from July 1?

21 May 2013 - How come it’s so hard to get people interested in super? If you’re a 30-year old and people said to you... read more >

The best bank loans for buying property through your SMSF

04 April 2013 - By Paul Rickard Comparing super loans (more correctly known as ‘limited recourse borrowing arrangements’)... read more >

Consumer discretionary sector in focus

18 January 2013 - There are 11 stocks in the Consumer Discretionary sector of the ASX 100 – which are all listed in the Table.... read more >

How to convert your SMSF into a corporate trustee

10 January 2013 - There are many reasons why using a corporate trustee is better for your self-managed super fund than individual... read more >

Why Keating and Henry are wrong!

14 December 2012 - Well, as investors, what are we to do? With all the recently self-appointed investment gurus wagging their fingers at... read more >

High Livez -€“ we road test a high-yield fund

06 December 2012 - The search for higher yield is prompting many investors to consider investing in residential mortgages. The mortgage... read more >

Preparing for your retirement -€“ Part 1

30 November 2012 - Say you’re approaching retirement and you want to get your affairs in order and give your super one last boost.... read more >

What happens to an SMSF when a trustee dies?

16 November 2012 - Q: My husband and I have an SMSF and both of us are trustees of the fund. I was recently told that an SMSF must... read more >

Real estate sharks targeting DIY super trustees

09 November 2012 - I’ve lately been alarmed at the number of self-styled ‘Property Investment Advisers’ (and their... read more >

Six reasons why property is a great SMSF asset

19 October 2012 - You may have the ability to buy property inside your SMSF, you may even have reviewed the risks and strategies that... read more >

SMSFs missing out on overseas opportunities

04 October 2012 - Self-managed super fund trustees only have 0.8% of their assets invested directly offshore, according to recent ATO... read more >

Trustees get a little more defensive

01 October 2012 - Self-managed super fund (SMSF) trustees became more defensive in 2011/12, with a marginal re-weighting away from... read more >

The rules of SMSF property investing

21 September 2012 - Property investing within your self-managed super fund is a highly regulated affair and playing by the rules is... read more >

Ask the auditor: the top 5 questions SMSFs ask

10 September 2012 - As an SMSF auditor, I get asked a lot of questions, but these are the five most common: 1. Why do I need to keep... read more >

SMSFs can’t borrow money, except…

31 August 2012 - Regardless of the lender, super law prohibits SMSF trustees from borrowing money or maintaining an existing loan. A... read more >

How much income do you really need to retire?

19 August 2012 - I was recently asked during a presentation why I think inflation is a bigger curse for retirees than workers. I have... read more >

What's the best super strategy for me this year?

29 April 2012 - I am currently purely in term deposits in my self-managed super fund and they will soon rollover after being locked... read more >

How do I play the term deposit game?

26 April 2012 - I am sick of shares for my super fund and simply want to invest in term deposits until the worst of this stock market... read more >

Does my daughter need life insurance in her super?

19 April 2012 - I have a daughter who has recently got a job working for a fast food mob and she has been forced into a super fund,... read more >

Where should I store my gold bullion?

17 April 2012 - I have a SMSF and have picked up some gold bullion over the past few years on the advice of alarmists who predicted... read more >

What are the rules governing SMSFs?

12 April 2012 - I am unhappy with the returns out of my retail super fund and so I’m thinking of starting a self-managed super... read more >

Can I borrow and buy property inside a SMSF?

03 April 2012 - I am in my early 50s and we have paid off our house and we want to buy an investment property as we have surplus... read more >

Super rise is fine, but who'€™ll pay for it?

26 March 2012 - The Treasurer Wayne Swan’s goading of billionaires such as Fortescue Metal’s Andrew Forrest for their... read more >

What should my SMSF investment plan be?

25 March 2012 - I have a SMSF with about $300,000 in the fund. I am wondering what my investment plan should be. I am thinking... read more >

Should I make the switch to a SMSF?

18 March 2012 - I have been with a financial adviser for some time and he put me on something called a platform, which makes it easy... read more >

Will my beneficiaries pay tax after I die?

13 March 2012 - I have been told that if my assets inside my pension fund are there when I die, they will be subject to capital gains... read more >

How much should a financial adviser charge?

12 March 2012 - My friends and I have been to a number of financial advisers and they all seem keen about charging around one per... read more >

How to consolidate super funds

08 March 2012 - I am seeking information on whether or not I am entitled to close a super fund of mine. My super fund is one from a... read more >

How to contribute to super at age 65 and over

05 March 2012 - My mum is retired, is 66, and finds her super is dissipating too quickly and so she has found some part-time work.... read more >

How can I access my super in part-retirement?

04 March 2012 - I have about $750,000 in a retail super fund and am close to part-retirement — age 59 — and I am thinking... read more >

What can I do about a poorly performing super fund?

27 February 2012 - I am really unhappy about my super fund’s performance and the costs I pay which are way over one per cent but I... read more >

How can I buy property inside my SMSF?

21 February 2012 - I want to buy a property inside my self-managed super fund. I am 48 and have, along with my wife, about $500,000 in... read more >

I have the funds, but is a SMSF right for me?

16 February 2012 - I am interested in setting up a self-managed super fund, or a SMSF as they are often called, but I am not a really... read more >

Can I pay myself for services provided to my SMSF?

07 February 2012 - I have a self-managed super fund and intend to buy a house inside the fund. I will renovate it as I am a pretty good... read more >

Can my SMSF join an industry fund?

06 February 2012 - I have a SMSF and have found that the insurance policies I have been looking at are miles more expensive than the one... read more >

Is $300,000 enough to start a SMSF?

22 January 2012 - I’m starting a self-managed super fund with about $300,000. Is this enough and do I need a financial adviser to... read more >

How can I retire with $1 million-plus?

18 January 2012 - I have around $125,000 in my super fund and my wife has about $65,000 and we’re not happy with our super... read more >

How can I consolidate my super?

16 January 2012 - I am currently looking for all of my superannuation accounts so I can consolidate them into one account, in order to... read more >

Save me from super critics

15 January 2012 - A recent study from the University of New South Wales warned we have to save young people from saving! Well in fact,... read more >

Can I combine my SMSF and residential property?

15 December 2011 - I have a residential property and am thinking about setting up a self-managed super fund to roll the investment into... read more >

Can I add money to my super after 65?

08 December 2011 - I am 65 and have come into a bit of money and want to add it to my super. I am on an allocated pension but still do a... read more >

Should I pay myself super as a business owner?

08 December 2011 - I run my own business and have always treated the growing value of my business as my superannuation but I am worried... read more >

Money tip #11 – superannuation

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Do we have enough super to retire at 60?

29 November 2011 - I have about $180,000 in my super fund and my wife has about $40,000 and I am really disappointed with my super fund... read more >

How do tax offsets for spouse contributions to super work?

24 November 2011 - I have heard about a tax offset for spouse contribution to the spouse’s super. Could you explain how it works?... read more >

Franking credits and my allocated pension account

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My retirement money is dwindling – what should I do?

24 October 2011 - I am now a widow and receive the pension but I have about $50,000 in an allocated pension. Because of the stock... read more >

I’m disappointed with my super – what should I do?

20 October 2011 - I am really fed up with the stock market and it has really hurt my super fund balances as well as its annual returns.... read more >

What is the Government’s co-contribution payment?

18 October 2011 - Is it true that the Government will give people free money if they put extra amounts of their money into super? How... read more >

Are industry funds better than retail funds right now?

13 October 2011 - I have heard a lot of talk lately about why industry funds are better than retail funds from financial institutions... read more >

What changes have been made for SMSFs and property?

12 October 2011 - I have a self-managed super fund and have been trying to get to a stage where I could put some property into my fund.... read more >

Can I roll property into my SMSF?

07 October 2011 - I want to start a self-managed super fund because my fund has not been performing well for years and I am paying more... read more >

Super changes

26 September 2011 - If superannuation wasn’t so important I would probably ignore this press release on what the Gillard Government... read more >

Do I have enough money for a DIY fund?

22 September 2011 - I am thinking about packing in my super fund and starting a self-managed super fund. I am 45 years of age and have... read more >

How do super funds get a tax refund?

21 September 2011 - I heard that some super funds get a tax refund — is this true and how does it happen? Some people with a... read more >

How much super do I need to be comfortable?

15 September 2011 - I am in my 50s and I feel like my super is not enough to give me a decent life in retirement. How much do you think I... read more >

Can I transfer property into my SMSF?

14 September 2011 - Can I transfer a residential property owned by a member into our DIY super fund, in which the member is a trustee?... read more >

Should I change my fund to capital guarded or cash-management?

08 September 2011 - I am with FSS fund-balanced option, and planning to retire. Since I have not much money in the fund, I am worried I... read more >

Is it illegal for my employer to not pay super?

07 September 2011 - I recently learnt that my employer hasn’t paid any super contributions to my nominated account for the past... read more >

Should I split my super with my partner?

31 August 2011 - I keep hearing about the benefits of splitting my super with my wife and as she has been home with the kids for some... read more >

How can I save more super and what will I be taxed?

30 August 2011 - I am self-employed and trying to build up my business but I am working in a local pub to ensure I don’t hit... read more >

SMSF withdrawals and their tax implications

25 August 2011 - I have a self-managed super fund and I am old enough to retire but I like to work. I am wondering about the tax... read more >

What are the tax implications on my SMSF-bought property?

24 August 2011 - I have a self-managed super fund, which has a house in it, which the fund bought a number of years ago. If the fund... read more >

What super payments do I need to make for my employees?

23 August 2011 - I have recently started to employ people in my business and understand that I have to pay superannuation for my... read more >

What is transition to retirement (TTR)?

17 August 2011 - I am approaching 55 years of age and am thinking about going to part-time work and I am told that there is a thing... read more >

Can I retire at 55 and access my super?

10 August 2011 - I am 55 years of age and have had a bout of illnesses which makes it hard for me to work full-time but I could get... read more >

What are the tax benefits of a SMSF?

09 August 2011 - I have heard that using a self-managed super fund (SMSF) you could actually not pay tax on your investments but even... read more >

How can I make sense of the super lingo?

04 August 2011 - I am trying to make sense of the lingo that goes with super but it seems the language is designed by public servants,... read more >

Three quick Q&As for your SMSF

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Three benefits of SMSFs

28 July 2011 - Have you ever been caught daydreaming about your super? Boring? Never! Too may of us don’t think enough about... read more >

Are you worried your super will run out too soon?

07 July 2011 - A morbid topic it may be, but will you have enough savings in super to guarantee a comfortable living until the light... read more >

Should I play it safe until retirement?

04 July 2011 - I am in my late 50s and will retire at 65 years of age and our combined super is pretty good – close to... read more >

Why DIY super is OK

29 June 2011 - At the moment there’s a backlash against self-managed super funds from the funds management industry and a... read more >

What’s the difference between industry, retail, and self-managed funds?

15 June 2011 - I have gone to a number of financial advisers and lectures on super and I just find they use jargon and language that... read more >

Manage your own super in 8 steps

09 June 2011 - Even before super funds took a nosedive with the global financial crash, the number of Aussies venturing into... read more >

How can I transition to retirement?

06 June 2011 - Could you explain transition to retirement? A 55-year old can draw on their super while they’re still working... read more >

Is there a super fund to suit my specific needs?

20 May 2011 - In April 2006 I left work to become a full-time carer for my disabled daughter, who is 19. My wife was the full-time... read more >

What to do with super in retirement

04 May 2011 - I’m 61 and am about to end my working days. What shall I do with my super? This is the shortest question I have... read more >

Can we retire at 60?

29 April 2011 - I am in my late 40s and my kids are off our hands, both now living away from home and have good jobs. My wife and I... read more >

Super super!

28 April 2011 - What has always got me beat is how we Aussies love the idea of bricks and mortar but we’re so indifferent about... read more >

Is a SMSF for me?

27 April 2011 - I am 35 years of age and have not been impressed with the performance of my super fund in recent times and am... read more >

Time to talk tough

19 April 2011 - Maybe I’m getting old, but I’m getting tired of reporting on problems in Australian society and the... read more >

Which super route should I take?

12 April 2011 - I am 30 years of age and in an industry super fund and I was wondering if they are as good as super funds run by big... read more >

What are the rules for artwork in SMSFs?

05 April 2011 - I have a family friend who has great artworks, which he has on display in his house but he says he owns them through... read more >

How can I save $1 million for retirement?

31 March 2011 - I’m in my late 40s and want to improve my position in retirement. I hear that $1 million is needed in... read more >

Rainy day or super – where should I put savings?

28 March 2011 - My mum is a widow, aged 54, and has a couple of hundred thousand dollars in a super fund and she owns her own house.... read more >

A new job and your superannuation

17 March 2011 - I am just about to start a new job and need to decide what to do with my existing super, and may need to consider a... read more >

Can my SMSF invest in a business?

08 March 2011 - I have an opportunity to invest in a business and I want to use my DIY super fund to do this. Now I will own the... read more >

Is my super money safe?

23 February 2011 - I’m in an employer super scheme with ANZ — ANZ Super Advantage — and I'm in the ING cash option 100... read more >

What is the ‘10 per cent rule’?

18 February 2011 - I am an employee but I also run a very successful part-time business on the weekend and I have been told about a... read more >

Tips to build your SMSF portfolio

16 February 2011 - I am trying to put together a portfolio for my self-managed super fund and would like some help. I am 40 years’... read more >

Should I invest through a self-managed super fund?

10 February 2011 - I am pretty new to investing but I am enjoying the experience. A friend of mine who is around 45 years of age is... read more >

Tax and my super investments

08 February 2011 - I have money invested in and outside of super and will soon retire but I might go onto a pension straight away. How... read more >

How does salary sacrifice work?

13 January 2011 - Let’s look at the basics. First, you need an employer who’ll let you do it. You decide you want to put... read more >

SMSF – Your questions answered, day 12 – what are 12 tips for SMSFs?

07 January 2011 - The AFR put together a nice 10-point plan for making sure you whip your self-managed super fund (SMSF) into shape but... read more >

SMSF – Your questions answered, day 11 – should I close my SMSF?

06 January 2011 - I am aged 60 and want to close my small self-managed super fund (SMSF). Should I do this before the end of the tax... read more >

SMSF – Your questions answered, day 10 – When can I access my SMSF?

05 January 2011 - Members can only access their SMSF benefits once they have reached preservation age, which ranges from 55 to 60... read more >

SMSF – Your questions answered, day nine – can I invest in exotic assets?

05 January 2011 - I have a self-managed super fund and I was wondering about putting artwork into my portfolio of assets. I am told it... read more >

SMSF – Your questions answered, day eight – Roger Montgomery’s stock tips for your self-managed super fund

31 December 2010 - Which stocks are the best bet for your self-managed super fund? Independent investment expert and Switzer regular... read more >

SMSF – Your questions answered, day seven – how can I invest within my SMSF?

30 December 2010 - Once upon a time, I thought it was illegal to borrow to buy shares or property inside an SMSF but now I see ads for... read more >

SMSF – Your questions answered, day six – is your SMSF playing by the rules?

29 December 2010 - Could you give us some guidance on the rules on what you can invest in within our SMSF? We have assets we would like... read more >

SMSF – Your questions answered, day five – how can I start my SMSF?

24 December 2010 - So you’ve made up your mind, you want to take the plunge and begin paving your own super future? Well, before... read more >

SMSF – Your questions answered, day four – what are the costs?

23 December 2010 - So you know that SMSFs allow for greater control over your investments and assets but what about the costs and risks?... read more >

SMSF – Your questions answered, day three – what should I ask before setting up a SMSF?

22 December 2010 - Before you create your SMSF, ask yourself: Do I have the skills and time to manage my SMSF? Am I diligent and... read more >

SMSF – Your questions answered, day two – why do people set up SMSFs?

21 December 2010 - I’ve been encouraged to start my own self-managed super fund (SMSF) by a friend of mine. I’m no expert on... read more >

SMSF – Your questions answered, day one – what is a SMSF?

20 December 2010 - Retirement planning is undoubtedly one of the most overlooked aspects of your career. You may have a plan for career... read more >

Are industry super funds better than commercial funds?

14 December 2010 - A family member is always arguing that industry super funds are better than funds run by the big financial... read more >

Maximising returns through aggressive super

22 November 2010 - I have an industry super fund which defaults to a pretty safe range of investments. Given that I am only 29, should I... read more >

Placing assets into a SMSF

18 November 2010 - We have set up a self-managed super fund with the help of our accountant and I did not know that you could put other... read more >

Shoulda, woulda coulda

08 November 2010 - I have been working in real estate and have received a gross amount of $7045.15 in my wage. How much superannuation... read more >

The changing world of superannuation tax

19 October 2010 - As a general rule, superannuation funds pay tax at the concessional tax rate of 15 per cent. Essentially, this means... read more >

Why do people set up SMSFs?

15 October 2010 - I would like to understand why lots of people have set up their own self-managed super fund. What are the pros and... read more >

Stay-at-home super

06 October 2010 - I currently have three superannuation funds that I want to roll into one. Is there any superannuation product... read more >

The legalities of salary sacrificing as tax-free inheritance

30 September 2010 - I’m 43 and want to provide a lump sum gift for my children – who are all under six years of age –... read more >

Time, money and self-managed super funds

27 September 2010 - I’m toying with the idea of starting my own self-managed super fund – my friends say they’re... read more >

Borrowing within a self-managed super fund

13 August 2010 - Once upon a time I thought it was illegal to borrow to buy shares or property inside a self-managed super fund but... read more >

Making the super transition from work into retirement

10 August 2010 - I have heard about a transition to retirement program that means you can retire and still work part-time, and it can... read more >

Superannuation translation

05 August 2010 - I’m an immigrant with a permanent residency visa. Will I be able to transfer my UK pension contributions into a... read more >

A little to save a lot

03 August 2010 - I keep reading about how salary sacrifice can help boost your super. Could you explain what salary sacrifice is and... read more >

Mo' Monet, mo' problems?

02 August 2010 - I am considering starting a self managed super fund. Can an SMSF invest in paintings? The Australian Tax Office... read more >

Navigating superfund choices

30 July 2010 - I have just changed from being a contractor to an employee, although I am in the same job, and I have to supply my... read more >

Considering your superannuation fund options

12 July 2010 - My dad is always getting into me to switch my money from the super fund my boss put me in with a financial... read more >

Industry funds – explore the option

06 July 2010 - Industry funds can reap many benefits for their members. However, for those seeking superannuation advice from a... read more >

Do the research on self-managed super funds

02 July 2010 - SMSFs or self-managed super funds can be complicated but beneficial, depending on your circumstances. One of the... read more >

Is the future of your super… super?

24 May 2010 - Do you think we are heading for a major economic and stock market disaster, as we saw with the collapse of Lehman... read more >

To self-manage or not to self-manage

18 May 2010 - I am 35 years of age and not impressed with my super fund and was thinking about setting up a self-managed super... read more >

Industry vs. non-industry super funds

13 May 2010 - I recently went to a financial planner and when he recommended a bank-owned super fund I asked if he considered... read more >

Super or investment property? Should I see an adviser?

30 April 2010 - I am 35 years of age, married with two kids at school and my wife has gone back to work. Our combined gross income is... read more >

Pay off a loan or salary sacrifice?

16 April 2010 - As our kids have now left school and have good jobs we are now in a position to really improve our super and prepare... read more >

What to ask before setting up an SMSF

05 March 2010 - I want to put together my first portfolio of stocks. My kids have left school and my wife and I want to build up our... read more >

Help - Problem with my super fund

11 February 2010 - I have a problem with my super fund. I’d like to invest my super in a plan that reinvests the dividends back... read more >

Sick of fees – should I DIY?

05 February 2010 - I’m sick of my stockbroker charging me a fee. I’m thinking about doing a total do-it-yourself approach to... read more >

Life insurance and super

29 January 2010 - How important do you think the life insurance component is to the selection of a super fund? I’m switching my... read more >

Industry fund or bank?

21 January 2010 - I am close to retirement and I have been in an industry fund with my government job but I am thinking about... read more >

Industry fund or bank?

21 January 2010 - I am close to retirement and I have been in an industry fund with my government job but I am thinking about... read more >

Setting up a SMSF? Consider these

15 January 2010 - I have around $105,000 in my super fund and I am toying with the idea of setting up my own self-managed super fund.... read more >

Setting up a SMSF? Consider these

15 January 2010 - I have around $105,000 in my super fund and I am toying with the idea of setting up my own self-managed super fund.... read more >

Putting more into super

04 January 2010 - I hear often that nine per cent compulsory super is not enough for a comfortable retirement and that it should be 15... read more >

How does salary sacrificing work?

30 December 2009 - Q. I keep hearing about the value of salary sacrifice but how does it work? And can you do it and still get access to... read more >

How does salary sacrificing work?

30 December 2009 - Q. I keep hearing about the value of salary sacrifice but how does it work? And can you do it and still get access to... read more >

Own a business, or invest in super?

07 December 2009 - My father-in-law has been in his own business most of his working life and thinks owning a small business is better... read more >

Own a business, or invest in super?

07 December 2009 - My father-in-law has been in his own business most of his working life and thinks owning a small business is better... read more >

Own a business, or invest in super?

07 December 2009 - My father-in-law has been in his own business most of his working life and thinks owning a small business is better... read more >

My super has shrunk - help!

17 November 2009 - Over the last year, my super has shrunk significantly. I am 61, working part-time. Can you please give me some advice... read more >

What is your super contribution?

03 November 2009 - Q. I am often hearing that 9% compulsory super is not enough for a comfortable retirement and that it should be 15%.... read more >

What is your super contribution?

03 November 2009 - Q. I am often hearing that 9% compulsory super is not enough for a comfortable retirement and that it should be 15%.... read more >

Checklist for setting up a SMSF

23 October 2009 - Q. I have around $105,000 in my super fund and I am toying with the idea of setting up my own self-managed super... read more >

Index funds

21 October 2009 - Q. A friend of mine who has never been invested in the stock market has been talked into going into something called... read more >

Q&A - Salary sacrificing

16 October 2009 - Q. Why has the government made salary sacrifice harder? And do you think I should look at other ways to grow my... read more >

Q&A - DIY super

12 October 2009 - I have heard a lot about self managed super funds and would like to know the things I should consider before I... read more >

Q&A - Super funds

18 September 2009 - Q. I recently went to a financial planner and when he recommended a bank-owned super fund I asked if he considered... read more >

Q&A - How should I invest my super?

12 August 2009 - When it became obvious that there would be a change of Government at the last Federal Election I transferred my... read more >

Q&A: Choosing a fund manager

06 August 2009 - Q. Could you give me some guidelines on how to pick a good fund manager to invest my money in? I agree with you that... read more >

Super knowledge

31 July 2009 - Super knowledge Once upon a time I saw a Gary Larson cartoon which portrayed a range of dogs at a dinner party all... read more >

Q&A: managed vs indexed funds

29 July 2009 - Q. There’s a lot of debate about the performance of fund managers versus passive funds or index funds and I am... read more >

Q&A: managed vs indexed funds

29 July 2009 - Q. There’s a lot of debate about the performance of fund managers versus passive funds or index funds and I am... read more >

Borrowing within super

18 July 2009 - Q. Can I borrow to buy shares or property in my super fund?   A. The short answer to this question is yes, you... read more >

An early start for super

16 July 2009 - I am under 30 – is it too early for me to be making extra super contributions? Or would I be better off... read more >

Unfair execution

03 July 2009 - The most dangerous aspect of the new age of interactive media is that we so-called experts can be nailed by a viewer... read more >

The advice advantage

23 June 2009 - The advice advantage Recently a bank asked me to explain what the Federal Government was doing for small business in... read more >

Should I switch my super to cash?

09 June 2009 - The toughest question to answer in these hip pocket challenging times comes from superannuation members close to... read more >

The cash question

05 February 2009 - The toughest question to answer in these hip pocket challenging times comes from superannuation members close to... read more >

Diversification is key

05 November 2008 - It’s something that might explain why some superannuants were whinging about their fund’s performance a... read more >

Meltdown mode

24 January 2008 - A 24 per cent slide in shares – wiping off the value of the gain of last financial year – is enough to... read more >

Times like these

05 December 2007 - hen the stock market looks sick and higher interest rates threaten locally - while over in the US they worry about a... read more >

New superannuation rules explained

17 March 2007 - In case you missed it, the money world is agog with the superannuation changes promised in last... read more >

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