Superannuation Advice Australia: Maximise Your Retirement Savings

Superannuation is a cornerstone of Australia's financial framework, underpinning numerous retirement plans. For many Australians, effectively managing their superannuation is pivotal to ensuring a financially secure retirement. Expert superannuation advice can be invaluable, particularly when deciphering individual financial situations. Options like Self-Managed Super Funds (SMSFs) exemplify the evolving superannuation landscape, presenting personalised ...

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A Beginner’s Guide to Unused Carry Forward Concessional Contributions Rules

Superannuation stands as one of the most crucial pillars of financial planning, a cornerstone for a secure future. Yet, many are unaware of the potent tools and strategies available to them. Enter the Unused Carry Forward Concessional Contributions Rules – a pivotal mechanism that can significantly amplify one's retirement savings if leveraged ...

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The Importance of Family Estate Planning: What You Need to Know

Estate planning, often perceived as a mere administrative task, holds a pivotal role in ensuring the orderly distribution of assets after one's departure or during times of incapacity. It goes beyond just drafting a will, offering a thorough evaluation of one's present situation and anticipated future. In ensuring that our hard-earned assets ...

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Understanding the Super Guarantee Charge Statement: A Comprehensive Guide

The Super Guarantee Charge Statement, frequently referred to as the SG Charge or SGC, is an essential document for every employer involved in the realm of superannuation. It denotes the employer's commitment to their quarterly super contributions, which directly affect the employees' super funds. Understanding the SGC is not just tax deductible, ...

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Don’t Make These 5 Biggest Retirement Planning Mistakes

Why Many Falter in Retirement Planning The process of retirement planning is of paramount significance, yet it is an area where many inadvertently stumble. The journey towards ensuring a financially stable retirement is riddled with potential missteps. While envisioning one's retirement years, the ambition is typically a serene and stress-free life, buoyed ...

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How Long Can Australian Pensioners Stay Overseas Without Losing Their Pension?

The prospect of exploring the world during retirement is certainly enticing. But if you're an Australian pensioner planning to live or travel internationally, it's essential to understand how it may impact your age pension overseas. Knowledge about the relevant rules and regulations is key to maintaining your pension, so you can confidently ...

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SMSF Adviser: Do you need to keep a specialist financial advisor when managing a Self-Managed Super Fund?

When choosing to manage your own superannuation, there are many things to consider. One key question is, do you need to keep a financial advisor when managing a SMSF? While it's possible to go it alone when it comes to managing your SMSF, there are definite advantages to keeping a financial advisor ...

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Opinion: How to Find the Best / Highest-Performing Super Funds

I understand that shopping for a super fund is not a short-term decision and the funds that are performing well today aren’t always going to be the best long-term performers. Still, one question remains: how can I find the best performing super funds today?

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Q&A: Is it Better to Invest in Super or Property?

To grow your savings for retirement, what is the best investment strategy: maximising your super contributions or investing in property? If you're like most Australians, there's a chance you are doing both. Around 66% of Aussie households owned their home in 2017/18, according to housing occupancy data from the Australian Bureau of ...

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Q&A: Your Guide to Beginning to Think About Retirement Planning

Depending on where you are in your life, saving for your retirement can be a bit of a daunting thought. At SMSF Mate, we want to make your retirement planning a more straightforward and enjoyable feeling. Retirement planning is not all that complicated but like most things, requires some planning and preparation. ...

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How Much Super Do You Need for Retirement in Australia? Your Questions Answered

It’s a fundamental question, and one that needs to consider many different things: How much super do I need to have to retire? Some say that if you can save around 10% to 15% of your income each year, you'll give yourself a fighting chance, but you can think about a more ...

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Q&A: Can I Withdraw my Super for a House Deposit?

If you are thinking about getting into the housing market but struggling to find savings for a deposit, you might be able to tap into your super fund. You, unfortunately, can't use all the money in your super fund; the First Home Super Saver Scheme will allow you to use an approved ...

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Self Managed Super Fund (SMSF) and Superannuation Glossary of Terms

SMSF and superannuation terminology can be a little confusing if you are new to the space so the team at SMSF Mate has created a glossary of common terms and phrases to help you navigate your way through your superannuation journey.

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Best / Top Performing Super Funds on SMSF Mate’s Radar

2020 began with a bang for Australian investors with global equity markets fallen between 20% - 40% from the February highs to the March lows.

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How to Buy Shares in Your Self Managed Super Fund (SMSF): 5-Step Guide

Superannuation investors have not typically had much control over where their funds are invested over the years. Bog-standard industry super funds or retail super funds only offer investment options like defensive, balanced or high-growth, which provide little ability for the investor to customise the assets within their portfolio, beyond splitting them across ...

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When can I retire? Free Calculator

"When can I retire?" is my wife's favourite question at the moment! Wouldn't it be nice? Well it all comes down to money, honey. Heres a handy tool we found to help you work it out for yourself Notes on the calculations The calculator does not account for inflation so take 2-3% ...

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Guide to Salary Sacrifice: All You Need to Know

The word sacrifice isn’t exactly known for its positive connotations, however in the case of when an employee salary sacrifices a portion of their pre-tax income to pay for certain benefits its usually all good news.  Whether salary sacrifice is right for you and your personal circumstances will depend on many factors ...

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How Does Superannuation Work in Australia?

Unsure about how your super works? At SMSF Mate we cover everything from the basics right up to the most advanced concepts you need to know about your super.

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What is Superannuation?

Superannuation provides an income for retirement that replaces or minimises the reliance on the aged pension and is the process of investing a portion of your income throughout your working career in a range of assets until you retire.

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Kind words from Aussies managing
their own self funded futures

  • SMSF Mate is a unique website because it has ideas about how to approach SMSFs, insurance and other financial topics that come straight from first hand experience. It's much more useful than what you find on all the other financial websites that just offer generic info that you could easily get on the ATO's website. It's also nice to know there's no financial incentive behind the information, it's legitimately there to help people understand self-managed super funds and how to get the most out of them, not to get an affiliate commission from a broker or other financial services provider. The investment product information is also incredibly useful, I've never seen this kind of functionality on any other website that let's you look at such a wide range of products, sort by what info is most interesting or important to you, and subscribe to updates for different funds and financial products all in one place. Definitely worth checking out if you own or are considering an SMSF!

    David G, Self-Employed, SMSF Owner
  • SMSF Mate provides a unique insight into superannuation and financial topics in a way that is easier to understand than conventional websites. The colloquial nature of the site makes it easy to understand and they often speak about complicated topics in lamens terms so I can wrap my head around them. The investment product information is a great way to research funds that I am interested in investing in with my SMSF and there is a lot of helpful information on the site for better structuring my investment portfolio. In comparison to other websites which offer similar information, SMSF Mate excels as the information is free to access whereas many other sites charge a subscription fee for the same thing. Overall, I think SMSF Mate is a great resource for SMSF trustees and is worth looking at for a variety of super-related topics. Thanks.

    Tim B, Business Owner, SMSF Trustee