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Australian Insurance, Finance, Superannuation & Investment Resources

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Need Some Help With Your Super?
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Need Some Help With Your Super?
What type of assistance do you need?
All quotes are supplied to you free and without any obligation to proceed. We respect your privacy.

Superannuation Advice

Superannuation in Australia
Superannuation advice and planning

Superannuation is a means of investing toward retirement.

Employers and employees can both contribute to superannuation in Australia ... and contributions are typically invested in the stock market, bonds, real estate, or other approved investment vehicles.

The money invested is subsequently paid to the member (or to the members' beneficiaries) on retirement, disability or death of the member either as a lump sum or as a pension or both.

Superannuation Guarantee

The Superannuation Guarantee came into effect in 1992, requiring an employer to contribute toward an employee's retirement through superannuation.

The Superannuation Guarantee (Administration) Act 1993 prescribed the employer contributions as a percentage of it's staff wages.

Employers are not required to contribute in some circumstances, e.g. for very low income earners, young workers not working full-time and workers over 70 years of age.

Employers may choose to contribute a higher amount than that prescribed as a means of employee incentive or reward or as part of a salary package.

There are some limitations on the tax deductibility of employer contributions for a given member and, therefore, professional advice should be sought before entering into these arrangements.

There are significant benefits in members saving toward their own future and Superannuation fund members may consider making contributions to superannuation in addition to employer contributions.

Individuals considering making personal superannuation contributions should seek professional advice.

Financial Planning Calculators

Our Calculators

Our financial calculators are provided for your free use on this website and are designed to remove some of the guess-work to help you make informed financial decisions.
Financial calculators

Please note that some of our calculators may use assumptions that are not necessarily applicable to your current specific circumstances and we therefore cannot always guarantee their accuracy. You should always seek professional financial advice from a licensed professional before proceeding with any financial recommendations.

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Financial News & Information

Popular Superannuation Articles
Four out of ten face super shortfall
FOUR out of 10 Australians reckon they won't have enough super savings to fund their retirement while a slim majority believe superannuation fund reports are far too complex to be of any use in planning for the future, a survey has found.
The legal responsibilities of SMSFs
The benefits associated with utilising a self-managed super fund can be significant ... but they come with legal responsibilities - and getting it wrong can be criminal, writes Matthew McKee.
6 Hot Tips to Grow Your Super
Most Australians realise that a Government pension won't give them the lifestyle they want in the years when they are not earning an income. The need to save money for the future has become a big wake up call to millions of workers who could take a massive hit to their lifestyle post-retirement due to low superannuation savings.
Super Rules, OK?
Do you rule your superannuation or does it rule you? It's easy to fall for some myths about your super unless you do some clear thinking about who is in charge.
More Superannuation Articles
Recent Superannuation Articles
Four out of ten face super shortfall
FOUR out of 10 Australians reckon they won't have enough super savings to fund their retirement while a slim majority believe superannuation fund reports are far too complex to be of any use in planning for the future, a survey has found.
The legal responsibilities of SMSFs
The benefits associated with utilising a self-managed super fund can be significant ... but they come with legal responsibilities - and getting it wrong can be criminal, writes Matthew McKee.
Super Rules, OK?
Do you rule your superannuation or does it rule you? It's easy to fall for some myths about your super unless you do some clear thinking about who is in charge.
6 Hot Tips to Grow Your Super
Most Australians realise that a Government pension won't give them the lifestyle they want in the years when they are not earning an income. The need to save money for the future has become a big wake up call to millions of workers who could take a massive hit to their lifestyle post-retirement due to low superannuation savings.
More Superannuation Articles


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Important: Financial Services Online is a referral service. We provide general information only and we do not offer financial advice. We refer all insurance, finance and other enquiries that are initialted on this and our associated websites to specialist advisers who are licensed in their respective fields. You should always seek professional advice before making important financial decisions.
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