Superannuation Accounts Articles

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Investor Education · Superannuation Accounts · 10 MIN READ

Tax-Aware Investing: How to Improve Returns Without Taking More Risk

How we invest can make a big difference come tax time. At the more basic end, this could mean factoring franking credits as part of our share portfolio. Or it could mean decisions on when to sell to manage capital gains.

Sara Allen

21 May 2026

Why Using Your $30,000 Concessional Super Cap Each Year Could Be One of the Best Investment Decisions You’ll Ever Make

Australia’s superannuation system is regarded as one of the most effective retirement savings structures in the world. Yet many investors are underutilising one of its most valuable features: the concessional contributions cap. For the 2025–26 financial year, Australians can contribute up to $30,000 of their pre-tax income into superannuation each year through employer contributions, salary sacrifice, or personal deductible contributions.

Superannuation Accounts Investor Education

25 Mar 2026

· Simon Turner

· 6 MIN READ

The Pension Phase: Why Risk Doesn’t Disappear When Tax Does

Reaching retirement age is a significant shift socially, emotionally and financially. A welcome change for many is that earnings in the retirement phase are tax free (subject to the transfer balance cap and your age being 60 or over), and you do not pay tax on your pension withdrawals.

Superannuation Accounts Investor Education

12 Feb 2026

· Sara Allen

· 8 MIN READ

Super vs Non-Super: A Decision Tree for Asset Location

There are plenty of advantages to using superannuation to build wealth, such as the tax-advantaged environment, but that doesn’t always mean it should be your first port of investment call.

Superannuation Accounts Investor Education

5 Feb 2026

· Sara Allen

· 9 MIN READ

Why Using Your $30,000 Concessional Super Cap Each Year Could Be One of the Best Investment Decisions You’ll Ever Make

Superannuation Accounts Investor Education

25 Mar 2026

· Simon Turner

· 6 MIN READ

The Pension Phase: Why Risk Doesn’t Disappear When Tax Does

Superannuation Accounts Investor Education

12 Feb 2026

· Sara Allen

· 8 MIN READ

Super vs Non-Super: A Decision Tree for Asset Location

There are plenty of advantages to using superannuation to build wealth, such as the tax-advantaged environment, but that doesn’t always mean it should be your first port of investment call.

Superannuation Accounts Investor Education

5 Feb 2026

· Sara Allen

· 9 MIN READ

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Is your SMSF Registered for GST? Here’s Why It Probably Should Be

Very few SMSFs in Australia are registered for GST, but in some cases, the extra admin for those that aren’t required to register might be worthwhile from a tax perspective. It comes down to ability of SMSFs to claim back a level of GST it has paid depending on the type of investments and services used.

Superannuation Accounts Investor Education

15 Jan 2026

· Sara Allen

· 7 MIN READ

CIPRs Explained Simply: Building a Reliable Retirement Income Stream

For such a critical and long-dreamed of part of life, investing in retirement was woefully underserviced until recently. Superannuation funds focused heavily on the accumulation stage, relegating pension phase to a side thought. As Australians have come to live longer, and more of the baby boomers have retired – one of the largest generation cohorts, it’s become patently clear that retirement investment strategies need more nuance to manage the unique challenges of retirement.

Superannuation Accounts Fixed Interest Managed Fund ETF

1 Dec 2025

· Sara Allen

· 9 MIN READ

Thinking of Switching Your Super Fund? Here’s What to Check First

Have you been thinking about switching your super lately? Maybe your adviser suggested it. Maybe your fund’s merging. Or maybe you’ve just started a new job and, instead of handing over the default super form to HR, you’d rather take control and choose a fund that actually stacks up for your future.

Superannuation Accounts

16 Oct 2025

· Ankita Rai

· 6 MIN READ

Why Recontribution Matters More Than You Think

Superannuation is one of the most effective ways to build wealth for retirement, but it doesn’t always pass to your loved ones tax-free.

Superannuation Accounts Investor Education

4 Sept 2025

· Ankita Rai

· 6 MIN READ

Family SMSFs: What Investors Need to Know Before adding Kids to Super

For years, SMSFs have mostly been the domain of older trustees managing their own retirement nest eggs. However, that’s starting to change, as more families are experimenting with multigenerational SMSFs by bringing children into the fold to create larger funds and boost cash flow.

Superannuation Accounts

21 Aug 2025

· Ankita Rai

· 6 MIN READ

How to Pick the Right Super Fund That Works for You

For many Australians, superannuation is a set and forget investment. But the truth is, small differences in fees, performance, and features can snowball into hundreds of thousands of dollars in retirement savings.

Superannuation Accounts

14 Aug 2025

· Ankita Rai

· 6 MIN READ

How the $3 Million Super Tax Could Rewrite the SMSF Rulebook

The proposed $3 million super tax is one of the biggest shake-ups Australia’s retirement system has seen in decades, forcing many SMSF trustees to rethink their long-held strategies.

Investor Education Superannuation Accounts

24 July 2025

· Ankita Rai

· 5 MIN READ

What the Transfer Balance Cap Hike Means for Your Super Strategy

Superannuation comes with its fair share of limits and thresholds designed to keep tax benefits in check. One of the big ones is the transfer balance cap. From 1st July, it has increased from $1.9 million to $2 million, raising the amount you can move into the tax-free pension phase of your super.

Investor Education Superannuation Accounts

3 July 2025

· Ankita Rai

· 5 MIN READ

Growing Together: Why Contribution Splitting Matters

Growing your super often feels like a solo journey, but if you’re a couple planning for retirement, you can achieve far more together.

Investor Education Superannuation Accounts

19 June 2025

· Ankita Rai

· 6 MIN READ

Why Salary Sacrifice into Super Still Stacks Up

Salary sacrificing into super has long been one of the most effective ways to manage taxes while building long-term wealth. Even with new rules on the horizon—like the proposed tax on super balances above $3 million cap—the fundamental attractions of this strategy remain unchanged. In a high-tax environment, it’s worth taking a fresh look at how this tax-efficient strategy fits into your broader financial plan.

Superannuation Accounts Investor Education

5 June 2025

· Ankita Rai

· 5 MIN READ

End of Financial Year Tips for Investors: What You Need to Know

As the 2024–25 financial year winds down, June offers a valuable opportunity for Australian investors to review their financial affairs, wrap up their tax strategies, and position their portfolios for the financial year ahead. Because tax is assessed annually, the timing of when you receive income or realise capital gains can make a meaningful difference to your overall liability. Whether you’re holding shares, property, or managing an SMSF, now is the time to take stock and act on any outstanding issues. Here are the five main considerations as you prepare for the end of the financial year (EOFY)…

Investor Education Superannuation Accounts

29 May 2025

· Ankita Rai

· 6 MIN READ

$3 Million Super Tax Cap: Why It's Time to Revisit Your Retirement Strategy

Australia’s retirement planning landscape is shifting. Labor’s proposal to introduce a 30% tax on super balances above $3 million has sparked significant concern and has forced many wealthy Australians to revisit what they once considered to be rock-solid, tax-efficient retirement plans. The Treasury estimates the changes will initially impact around 80,000 people.

Superannuation Accounts Investor Education

22 May 2025

· Ankita Rai

· 6 MIN READ

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