Superannuation Guides

Looking to brush up on your super know-how? Here's the index for all the guides on superannuation topics that have been covered by Mozo's editorial team.

Superannuation contributions explained

Superannuation contributions explained

Understanding superannuation contributions is crucial for optimising your retirement savings. And it's not just about relying on your employer's mandatory contributions. 

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Retail super funds in Australia

Retail super funds in Australia

For Australians considering the future of their superannuation, retail super funds provide an option worth exploring. These funds, operated by financial entities, offer an extensive range of investment opportunities, coupled with a suite of financial products. Grasping the intricacies of retail super funds is crucial for informed retirement planning.

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Salary sacrificing your super

Salary sacrificing your super

Considering boosting your super? You're not alone. Salary sacrificing into your super is a smart move many Aussies are making to secure a better retirement. It's not just about stashing away more cash for the future; it's also about smart tax moves today.

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Superannuation tax: every stage explained

Superannuation tax: every stage explained

Tax on super affects each stage of the super journey, from the initial contributions, through to the earnings phase, the final withdrawal of funds, and even after death. These tax implications are influenced by various factors like the type of contribution, age and income level.

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Unique superannuation identifier: why it matters

Unique superannuation identifier: why it matters

Have you ever spotted the term 'unique superannuation identifier' (USI) peeking out from your superannuation statements, or perhaps during the initial paperwork of a new job? 

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How to consolidate super

How to consolidate super

Part of the onboarding process when you start a new job typically involves filling out a superannuation choice form. And as you go through different employers throughout your career, it’s possible that you’ll join several super funds along the way. 

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How is my super being invested? Does it matter?

How is my super being invested? Does it matter?

It pays to know where your nest egg is being invested, not only to get the most out of your super fund in retirement, but to make sure the selected investments meet your expectations. 

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How to change super funds

How to change super funds

As you journey through your career, you may find yourself saving up for retirement. And in doing so, it’s possible that you’ve started thinking about whether your superannuation provider is still right for you. 

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How superannuation can fit into your retirement planning

How superannuation can fit into your retirement planning

Travel and relaxation are commonly associated with retirement, but getting there usually takes some financial planning. 

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What is an industry super fund

What is an industry super fund

An industry fund in the superannuation world is run only to benefit members and was initially set up by unions for workers in specific industries or trades. They tend to have lower fees and aim to give their members a profit, which is why they are often called profit-for-member funds. 

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A guide to accessing your super early

A guide to accessing your super early

If you’ve fallen on hard times with your personal finances, your focus might be how to access some funds quickly. Tapping into your superannuation fund can help you out of a bind if you don’t have any other option. 

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How to find lost super: A comprehensive guide

How to find lost super: A comprehensive guide

With so many things to keep track of in our everyday lives, it’s easy to forget that you could have some lost superannuation sitting in an old fund you don’t use anymore.

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How to withdraw your superannuation

How to withdraw your superannuation

Ever wondered about how and when you’ll access your superannuation?

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What is super preservation age?

What is super preservation age?

Super terminology is not for the faint of heart, with numerous legislation and conditions lathered in industry jargon. If you are looking into withdrawing your super and how to go about it, you might have come across the term preservation age. 

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A comprehensive guide to self-managed super funds

A comprehensive guide to self-managed super funds

When thinking about your retirement, one of the decisions that you will make for your superannuation is the choice between a managed fund, or a self-managed fund. 

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Super guarantee rate: What are the rules for employer super contributions?

Super guarantee rate: What are the rules for employer super contributions?

Are you just starting out in your career, or are you a seasoned expert within your field? Either way, you might be thinking about your super fund and what your employer obligations are for paying you super. 

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Ethical super funds: what are they, and how do they work?

Ethical super funds: what are they, and how do they work?

When choosing a superannuation fund, more Australians have recently searched Google not just for annual returns or fees but how the fund invests their money. Ethical super funds have therefore taken off as a way to align our values with our money: saving for retirement while saving the planet. 

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How much money should I save for retirement? Superannuation targets explained

How much money should I save for retirement? Superannuation targets explained

Unless you’ve got a firm retirement plan, it can be tricky to pinpoint your goal with superannuation. So let’s break it down: how much money do you need for retirement?

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Superannuation news

Apra quarterly product stats sept 23

Navigating APRA's super data: A guide to informed choices

The Australian Prudential Regulation Authority (APRA) has just released its Quarterly Superannuation Product Statistics for the quarter ending September 2023, providing essential data on the performance of thousands of individual superannuation products across hundreds of funds.

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Articles

Super funds thrive amid market challenges

A share rally in the final quarter of the 2023 calendar year helped propel Australian superannuation funds to notable year-end gains, with the median Balanced and Growth options delivering impressive returns of 9.6% and 11.0%, respectively. 

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