Understanding superannuation

A quick and easy guide to super

Get started today with some super basics.

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How to find any missing super

Make sure you aren't leaving any super behind.

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How to read your super statement

What to look for in your super statement.

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Your super fund and your TFN

How providing your tax file number may boost your super.

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Retirement calculator

Estimate how much money you may have when you retire and see how you can add to your retirement income.

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Accessing your superannuation

When can you access your super?

Explains the restrictions around accessing your super at different ages.

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Different ways to access your super

Explores benefits of a secure retirement income and flexible retirement income.

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Transition to retirement strategies

Explore ways you might access your super as you approach retirement.

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Superannuation strategy

Tips to boost your super

There are a few ways you might be able to add to your super savings.

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Should you put your money into a super fund or a savings account?

Information to help you decide what the best option for you might be.

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Tips for your age

Super tips for when you are in your 20s

It's never too early to think about the lifestyle you want when you retire.

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Super tips for your 30s and 40s

Make sure your super is on track and you’re covered for all that you need to be.

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Super tips for your 50s and 60s

As you get closer to retirement the way you manage your super may start to change.

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The finer details

Different types of super funds

There are retail funds, industry funds, corporate funds, SMSFs and more.

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How super can help you manage tax

Tax can be complex so find out how your super might help.

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A checklist for estate planning

Ideas to help you think about super when setting up your will.

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Should insurance be inside or outside your super?

Questions to help you decide if you might have your insurance as part of super.

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What happens to your super when you leave Australia?

Steps to help you take your super with you when you move overseas permanently. 

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First homebuyers able to save with super

See if you are able to use additional super contributions to save for a home.

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Things you should know

The information contained may include general advice but does not take into account the investment objectives, financial situation and needs of any particular individual. Remember, before you make a decision about your super, you should compare the costs, fees, risks and benefits of super funds. It makes sense to consider whether you can replace any insurance cover you may lose when you bring your accounts together, as well as any costs for withdrawing from other super funds and any investment or tax implications. You should assess with the help of legal, financial and taxation advice, whether the information is appropriate in light of your own circumstances before acting on it. Any securities or prices used in the examples given are for illustrative purposes only and should not be considered as a recommendation to buy, sell or hold. Past performance is not indicative of future performance. While potential SMSF investments may have been illustrated within this content they do not represent a comprehensive suite of possible investment products and services within the guidelines pursuant to the SIS Act 1993 with ATO oversight. Taxation considerations are general and based on present taxation laws and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information. Commonwealth Bank is also not a registered tax (financial) adviser under the Tax Agent Services Act 2009 and you should seek tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on this information to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law. Commonwealth Financial Planners are representatives of Commonwealth Financial Planning Pty Ltd ABN 65 003 900 169 AFSL 231139 a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank. Commonwealth Securities Limited ABN 60 067 254 399 AFSL 238814 (CommSec) is a wholly owned, but non-guaranteed, subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 AFSL 234945. CommSec is a Participant of the ASX Group and Chi-X Australia. The commentary provided from external companies that are not a member of the Commonwealth Bank of Australia Group of Companies (the CBA Group) does not represent an endorsement, recommendation, guarantee or advice in regard to any matter. Neither Commonwealth Securities Limited nor members of the CBA Group accept any liability for losses or damage arising from any reliance on external companies and their products, services and material.