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Superannuation is changing, are you ready?

Your comprehensive guide to all the upcoming superannuation changes.


Australia’s superannuation and pension rules are changing once again from 2017, and this time almost every worker and retiree will be affected to greater and lesser degrees.


In this detailed special report, we explain every change announced and also provide general advice on what steps can be taken beforehand, especially regarding the more complex changes on the way. It’s your essential super guide.




Everything you need to make the right investment decisions



Australia’s superannuation and pension rules will change once again from July 1, 2017, and this time almost every worker and retiree will be affected. SuperAdvice will explain these changes and help you to maximise your super, whether you’re accumulating for retirement or you’re already there.

Equities Analysis

Our analysts have achieved a 13.9% average annual return on all buy recommendations over the past 15 years*. That’s a 3.7% outperformance of the All Ords Accumulation Index over the same period. Joining will give you full access to all of our stock recommendations, including the current buy list.



Investment Tools

The right tools can make investing a whole lot easier. Whether you’re using Australia’s best free portfolio manager or our industry leading portfolio health check, one thing’s for sure – making the right investment decisions is easier when you are a member of InvestSMART.


If you have general questions about superannuation, tax or investing, we will answer them. With a team of over 20 financial experts, equity analysts, researchers, economists, and journalists, we answer members’ questions daily. As a member, you’ll also have access to our entire archive of Q&As.


I’ve been a member of Eureka Report from day one. I find the articles very helpful in formulating my overall investment strategy.

Yvonne, VIC


I’ve been a subscriber to Intelligent Investor for around 10 years and I’ve been impressed with their performance over that time.

Timothy, NSW


I have been an InvestSMART member for three years; I think one of the keys to the success I have had is the portfolio manager, being able to track all my assets when ever and where ever I like keeps me ahead.

James, NSW



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Every week InvestSMART creates premium content for a range of Australia and the world's leading TV, radio stations and newspapers and magazines





How can I maximise how much money I put into super this financial year?

Until 30 June, we're still operating under the ‘current’ rules. And those allow for concessional contributions (where someone is claiming a tax deduction for the contribution) of $30,000 for... Join now for the full answer.


How much can I get into super next financial year?

Both CCs and NCCs are going to be cut from 1 July.

Everyone who is able to make CCs will have the same limit of $25,000 a year. There will be no larger allowance for older Australians... Join now for the full answer.



With the new restrictions, should I borrow to get money into super before 30 June?

In some limited circumstances, this might be a good idea, yes.

Normally, the answer to the general question of borrowing money to put into super is a ‘no’. It... Join now for the full answer.


 I have a TTR pension. What happens to them on 1 July?

This will be the first time in Australian history that a pension fund is taxed.

Transition to retirement (TTR) pensions have, until 30 June, been taxed the same as all pension funds. That is, the assets supporting a pension are not taxed... Join now for the full answer.



What happens if I’ve got more than $1.6 million in my current pension fund?

You're going to need to roll a portion of that out of the pension fund. The most you are allowed to have to start your super pension on 1 July is $1.6 million.

If you have more than that in your current... Join now for the full answer.


I've got a government defined pension. Does that count towards the $1.6 million transfer balance cap?

Yes. Essentially, multiply whatever your annual defined benefit (DB) pension pay is by 16. And that is what counts towards your TBC.

So, if you receive a DB pension of $100,000... Join now for the full answer.


Copyright © 1999-2017 InvestSMART Financial Services Pty Ltd. All rights reserved | Australian Financial Services Licensee: AFSL # 226435 | ABN 70 089 038 531

*Performance figures correct as at 30 June 2016 as per Intelligent Investor’s recommendations. Figures exclude transaction costs and brokerage fees.

IMPORTANT: This information has been prepared without taking into account your objectives, financial situation or needs and you should consider if the information is appropriate for you before making an investment decision. Unless otherwise specifically stated or disclosed (such as the InvestSMART Diversified Portfolios Product Disclosure Statement), neither InvestSMART Financial Services Pty Ltd nor any of its Related Companies make any recommendations as to the merits of any investment opportunity referred to in its emails or its related websites. Product disclosure statements for financial products offered through InvestSMART can be downloaded from this website or obtained by contacting 1300 880 160. You should consider the product disclosure statement before making a decision about the product. All indications of performance returns are historical and can not be relied upon as an indicator for future performance.