Working out how much cash you should stack inside – or outside – your super can be a conundrum.
Even if your finances are separated,you will still be treated as a couple for Centrelink purposes.
It can feel dangerous messing with your super while markets are volatile,but it’s unlikely to have a major impact on your returns.
You can crack into your super for healthcare reasons,including dental work,but only under a very strict set of rules.
While the positives of dipping into super to own a home include shielding people from rent volatility and building equity,the risks are significant.
There’s nothing wrong with being conservative with your super,but depending on your age,you could be missing out on some big returns.
Super funds are attractive targets for hackers,and recent attacks on funds have put the sector’s security practices under the microscope.
Super balances,home loan repayments and the price of petrol could all be affected by the recent mayhem on financial markets.
We make detailed plans for retirement,and spend our whole working lives building up superannuation,but what about our financial legacy?
The financial regulator has stepped up scrutiny of the superannuation industry after a co-ordinated attack on some of the country’s largest funds exposed serious cybersecurity weaknesses.