Self Managed Superannuation Fund
A million in the super fund won't be enough for retirement
John Collett While the growth in the projected pool of superannuation savings is impressive, it belies the harsh reality facing those not far off retirement.
SUPER
Regulation called for to oversee SMSFs
John Collett ASIC and the new government need to consider bringing property spruikers who recommend self-managed super funds inside the licensing net.
SELF-EMPLOYED SUPER TRAPS
Don't let those contributions take you down
![BUSINESS GLC010109.001.001 FIRST USE AFR PHOTOGRAPH BY GABRIELE CHAROTTE GENERIC BUSINESS MAN BUSINESSMAN WHITE COLLAR WORKER INVESTMENT BANKING BANKER EMPLOYMENT UNEMPLOYMENT SUIT WAGES SALARY MEETING APPOINTMENT***afrphotos.com***](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/09/17/4754110/rh-320-max_20130917123617418043-90x60.jpg)
Max Newnham There are very strict tests when it comes to deciding whether a person is a true contractor or an employee.
SUPER
First home enticer is simple and super
![Houses and cash.](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/09/01/4710039/ZAH_house_TN-20130901004543176949-90x60.jpg)
David Potts Why can't first home buyers use some of their superannuation as a deposit to buy a home?
SUPER
Kiwis face hurdles in pursuit of lost funds
![national foods 050411 afr illo karl hilzinger
dairy cows map of australia new zealand nz dairy industry cattle photo illustration](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/09/03/4715584/rh-320-johnb_20130903142112767159-90x60.jpg)
John Collett New Zealanders are believed to be the owners of perhaps up to a quarter of the Australia's $18 billion in ''lost'' super. And it's very hard for them to get it back.
INSIGHT
Asset allocation can be the decider in super funds
Clancy Yeates There's a lot to consider when picking a super fund. Perhaps the most important factor is how your money is spread out.
SUPER
CSIRO, unis look to create a golden age
![cma000529.002.001 Picture by Craig Abraham News Extra Picture shows glass medical/ chemical beakers and money.](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/09/10/4734368/rh-320-csiro_20130910104504798863-90x60.jpg)
John Collett Serious intellectual firepower is being brought to bear on the problem of Australia's ageing population.
SUPER
Big country makes size count
![kids playing on beach with outline of Australia - centenary pic
SENIORS SUPP
GENERIC MAP SAND ***FDCTRANSFER***](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/09/16/4750474/rh-320-peny-20130916081611616561-90x60.jpg)
Penny Pryor The 15 largest Australian superannuation funds have recently moved up the league tables.
INTELLIGANT INVESTOR
Time for Coalition to walk the pro-super talk
![Piggy got robbed.](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/08/07/4636999/ZAH_piggy_TN-20130807005628372277-90x60.jpg)
Richard Livingston Tony Abbott said the Coalition wouldn't make any "negative unexpected changes" to superannuation. Now they're in government we'll get the chance to see what he meant.
SUPER
Playing catch-up is hard - but worth it
John Collett Salary sacrificing to super is still the best way to help make up for lost time.
SELF-MANAGED FUNDS
Make super borrowing safe as houses
![PIC JIM RICE. PIC SHOWS....GENERIC. TAX. INCOME TAX. EMPLOYMENT.JOBS.MONEY.ECONOMY.WEALTH. PROPERTY. PROPERTY TAX.INVESTMENT. BILLS. ATO. TAX OFFICE .PROFIT SPECIALX 25817 ***FDCTRANSFER***](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/08/20/4676839/rh-320-smsf_20130820141054769084-90x60.jpg)
John Kavanagh The SMSF borrowing market is small but starting to grow fast as trustees seek the security of property
SUPER
Insurance is a risk when doing it yourself
John Collett The SMSF industry is pushing the virtues of managing your own super fund. And the message appears to be hitting home.
SUPER SAFETY
Five simple steps to safer super savings
![Man jumping on steps, Thinkstock](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/07/30/4613330/rh-2320-steps_20130730080922701022-90x60.jpg)
Max Newnham There are five principles of investing that can reduce the impact of future market crashes and make your superannuation investment safer.
SUPER SAFETY
Managing things right makes a super difference
![Retirement](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2012/01/31/2926790/th_retirement-90x60.jpg)
Penny Pryor As the GFC showed, when you retire makes a big difference to what you retire with - and it's something that not enough people pay attention to.
SUPER
In-house funds yield happiest returns
John Collett Superannuation funds run by companies for their employees, both private and public sector, are among the best performers over the long term.
SUPER
Playing politics with retirement savings
John Collett The Coalition says Labor is attacking the retirement savings of the better off. But what are the two sides proposing?
SUPER
Super fires up with equities
![iStock. GENERIC. Candles. Number 21. 21st birthday candles. Twenty One birthday.](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/08/13/4657533/rh-320-super_20130813134232402782-90x60.jpg)
John Collett Twenty-one years after the start of compulsory superannuation, the system is going strong, with returns hitting pre-GFC levels.
SUPER
Beware SMSF spruikers
![cairns 070604 AFR photo Tamara Voninski generic cairns property real estate queensland fnq far north queensland SPECIALX 25446 ***FDCTRANSFER***](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/07/23/4594154/rh-320-geek_20130723150247230205-90x60.jpg)
John Collett The growth of SMSFs means more investors' with a love of property could fall into the hands of unscrupulous real estate promoters.
WOMEN & SUPER
Super not so great for women
![The Age, Money.Chris Panagiotopoulos is a mother-of-two on maternity leave for story on superannuation.Pic Simon Schluter 23 June 2013.](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2013/07/02/4536834/rh-super-320_20130702102101439061-90x60.jpg)
Ruth Williams The super system treats women as second-class citizens - but there are ways to help yourself get ahead.
SUPERANNUATION
Focus on details to boost your super
![Mark Bouris](http://web.archive.org./web/20131014223147im_/http://images.theage.com.au/2012/02/26/3075173/Mark_Bouris-90x60.jpg)
Mark Bouris Fine tuning superannuation savings can lead to a bigger nest egg.