Category Archives: Superannuation

Super funds rank poorly for disclosure

According to the Melbourne Mercer Global Pension Index – a global ranking of all pension and retirement systems – Australia’s superannuation system ranked second internationally as at October 2011. This ranking was reflective of both investment performance and the effectiveness of each system for its members. Whilst this ranking is encouraging, the results are less […]

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An update on superannuation contribution limits

There are two ways in which you can contribute to your superannuation fund – via concessional or non-concessional contributions. Concessional contributions are included in the assessable income of your fund and include employer contributions (i.e. 9% super guarantee and salary sacrificed amounts) and amounts for which you are eligible to claim a tax deduction for. […]

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Industry super funds: where is your money actually invested?

Where is your superannuation invested? I don’t mean with which provider or in which investment option, but in what assets? What investments are you exposed to? Chances are you probably don’t know, right? A recent report – comparing the disclosure standards of all retirement savings systems in the world – claimed Australia’s superannuation system ranked […]

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Life insurance via super: why you should consider it

Life insurance policies can be structured in various ways but for most people, they take out a policy in their own name. This is referred to as self ownership. An alternative to self ownership is superannuation ownership. In this case, a superannuation fund owns the policy on your life, not you. Superannuation ownership may result […]

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Is ‘super’ still super?

This week is the 20th anniversary of compulsory superannuation in Australia. Since its inception we have seen many tweaks and changes as the Government continues to ‘fine tune’ the system for future generations. Uncertain conditions around the world since the start of the GFC in 2008 have meant that superannuation returns haven’t been as strong […]

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    Financial Planning Expert is an independent financial planning business based in Melbourne. We provide genuinely independent and conflict free financial advice. We’re experts in self-managed superannuation fund (SMSFs) advice and strategy, retirement planning, property and share investment advice, life and income protection insurance, tax planning, asset protection, estate planning and advice for Australian expatriates.