![Chasing returns in super is almost always the wrong thing to do.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/l/u/3/u/9/image.related.wideLandscape.460x259.gvr12s.png/1493002109574.jpg)
Super & Funds
![Chasing returns in super is almost always the wrong thing to do.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/l/u/3/u/9/image.related.wideLandscape.460x259.gvr12s.png/1493002109574.jpg)
Public servants face big super slug
!["Complex" rules put public servants in danger of getting burned:
Canberra financial advisor Dan Blackman.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/v/k/y/m/z/image.related.landscape.120x80.gvkicp.png/1493015599421.jpg)
Public servants could be hit for hundreds of thousands as government curbs tax breaks.
Super funds own $45b in bank shares, $13b in tech stocks
![Spaceship founders Paul Bennetts, Andrew Sellen, Dave Kuhn and Kaushik Sen.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/r/e/x/t/7/image.related.landscape.120x80.gvq2s2.png/1493096288920.jpg)
Industry super funds love to criticise the big banks, but they are also closely entwined.
More to a share investment than just juicy dividends
![Dividends play a huge role in the returns of shareholders.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/u/1/e/n/j/image.related.landscape.120x80.gvm01x.png/1492874274987.jpg)
It's difficult to overstate the importance of dividends for Australian investors.
Most super funds with less than $2b not viable
![Larger super funds tend to outperform smaller funds.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/1/1/9/4/k/0/image.related.landscape.120x80.gvhfpt.png/1491803831216.jpg)
Size does matter when it comes to super funds.
How to avoid retiring with insufficient super
![Caring professions such as nursing tend to be female-dominated and low paid.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/v/e/t/8/k/image.related.landscape.120x80.gvet1w.png/1491532433027.jpg)
Why "financial literacy" won't help women overcome the structural flaws in superannuation.
Better-off need to save more super
![Most people have little idea of how much money they will need in retirement.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/i/b/k/v/w/image.related.landscape.120x80.gvb2vc.png/1491184394544.jpg)
How much will you need to save for a comfortable retirement? If you're clueless you're not alone.
What women want from the budget
![Some ideas for Treasurer Scott Morrison, who is preparing for the federal budget in May.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/v/b/4/k/k/image.related.landscape.120x80.gvc7zf.png/1492395259294.jpg)
There's still much for the Treasurer to decide that will affect families and, disproportionately, women.
What you need to know about the war for super
![The industry funds say the $2 trillion superannuation system is under attack.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/v/b/c/t/h/image.related.landscape.120x80.gvaw8y.png/1490965345026.jpg)
There are vested interests misrepresenting the facts on both sides. Don't be fooled.
Banks' weapon against industry funds may be dud
![Banks have a new type of default super option, but it may not be any good.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/1/1/f/z/r/r/image.related.landscape.120x80.gv8wwc.png/1490840523960.jpg)
The Turnbull government wants to remove the monopoly that industry funds have as the default fund provider in industrial awards.
'Money for nothing': why transition to retirement pensions still work
![Many mature-age workers want to cut back but not leave the workforce entirely.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/u/1/p/v/x/image.related.landscape.120x80.gv9odn.png/1490961344357.jpg)
Despite the continuing tightening of superannuation concessions there are still some great strategies available for those who take good advice.
A fierce fight is brewing over your super
![Financial Services Minister Kelly O'Dwyer has a trust.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/t/a/g/3/h/image.related.landscape.120x80.gv8tu7.png/1491957788073.jpg)
Consumer groups and independent policy analysts have broadly backed the Productivity Commission proposals to change the default superannuation system.
Renters need $1 million for comfortable retirement
![Retiree renters are unlikely to be able to afford a comfortable retirement.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/s/s/w/z/q/image.related.landscape.120x80.gv5r5u.png/1490662004926.jpg)
Housing affordability has wider implications than just for those trying to get a foot on the property ladder.
Call to remove 'bad apple' planners
![Bad apple planners can too easily move between employers.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/1/m/c/t/k/o/image.related.landscape.120x80.gv0j0g.png/1490076327917.jpg)
Ten years on from when the regulator first called for the removal of bad apples from the financial planning industry, there has been not enough progress.
Australia's $2.2 trillion super pot drives record ETF demand
![The interest in exchange traded funds comes as record-low interest rates are prompting pensioners to consider ...](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/k/l/i/u/n/image.related.landscape.120x80.guy81d.png/1489537315874.jpg)
The interest in exchange traded funds comes as record-low interest rates are prompting pensioners to consider alternative products.
Beware of dividend traps and capital killers
![Dividends yields can be high for bad reasons.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/1/m/m/9/q/h/image.related.landscape.120x80.guv9st.png/1489363093147.jpg)
Investors love the shares of big dividend-paying companies, but they could be leaving themselves exposed to what's sometimes known as the "dividend trap".
Home ownership is essential for a comfortable retirement
![The sooner home ownership is achieved, the greater the ability to build up super and other retirement savings.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/s/k/h/e/9/image.related.landscape.120x80.guvb7h.png/1489113738548.jpg)
The superannuation industry is trying to deter the government from even limited action to allow first home buyers to access their super.
Claim super to help offset the hit to penalty rates
![Casual workers should check if they are entitled to super.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/q/a/9/1/0/image.related.landscape.120x80.gurg05.png/1488764774969.jpg)
There's now even more incentive for workers to claim super from employers after Fair Work Australia's decision to lower Sunday and public holiday penalty rates.
The case against letting first-home buyers use super
![The truth is, not everyone can afford to buy a home and renting is cheaper than buying.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/u/j/m/1/u/image.related.landscape.120x80.guovua.png/1488686977727.jpg)
Home ownership is a worthy aim, but superannuation is not the vehicle to fund it.
The new investment strategy that's better than index funds
![Core plus satellite could be a winning investment strategy.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/h/e/y/1/f/image.related.landscape.120x80.gukpmj.png/1488245756413.jpg)
Tracking the market versus active management? The new formula that offers the best of both worlds.
The case for letting first home buyers use super
![Everything parents do to help their kids afford seemingly unaffordable house prices helps keep those prices high.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/q/i/g/g/g/image.related.landscape.120x80.guigi4.png/1490751646719.jpg)
What Australians can learn from the Kiwis about helping first home buyers into the housing market.
DIY funds with less than $2 million not viable, say industry funds
![DIY versus large super funds - industry funds hit back.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/p/5/2/t/9/image.related.landscape.120x80.gufafa.png/1487664214661.jpg)
An economist in the superannuation industry says DIY super funds with less than $2 million "are not viable retirement savings vehicles".
Fraser review rejects 'independence' quotas for industry super funds
![''You've only got to look at the arithmetic,'' said former Reserve Bank governor Bernie Fraser.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/s/b/c/u/m/image.related.landscape.120x80.gue6ho.png/1491529630977.jpg)
A long-awaited review into the governance of industry super funds by former Reserve Bank governor Bernie Fraser has found no grounds for legislation that would force boards to have a minimum number of "independent" directors.
BRICs, CIVETS, NUTS and other useless acronyms
![Following investment fashions usually results in losses.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/z/r/h/o/y/image.related.landscape.120x80.gu9yqt.png/1486931781142.jpg)
A trendy acronym is no substitute for an investment strategy.
DIY funds versus the pros – the answer is in
![Not-for-profits and DIY super funds are neck and neck over 10 years.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/t/x/w/w/h/image.related.landscape.120x80.gu4t90.png/1489012856683.jpg)
Does it matter who manages your super fund?
Clock ticks on $1 million super deadline
![Only five months to go before super contributions caps are lowered](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/h/o/b/j/1/image.related.landscape.120x80.gu3nqj.png/1486083732244.jpg)
It's the $1 million opportunity – the last hurrah to get a lot of money inside super and take advantage of super's concessional tax rates before July 1 this year.
The problems with compulsory super
![Ensuring you are paid compulsory super can take a back seat to take-home pay and other entitlements.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/t/d/y/r/d/image.related.landscape.120x80.gu3qh1.png/1485996765128.jpg)
The system for ensuring that workers are paid their compulsory super is inadequate.
One way super is changing for the better for employees
![Under the current super system, employees can only make concessional contributions if their employer offers salary sacrifice.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/i/j/c/t/l/image.related.landscape.120x80.gu3nxj.png/1486105498783.jpg)
There are new opportunities opening up for employees after June 30.
Average man faces $236k super shortfall, woman $307k
![The earlier you start saving, the more your nest egg will grow.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/u/2/8/o/h/image.related.landscape.120x80.gu1sh1.png/1485920903101.jpg)
Five easy ways both genders can sort their super and ensure it will go the distance.
Fund members likely flying blind with life-stage options
![How life-stage options will perform is largely unknown.](/web/20170425100730im_/http://www.theage.com.au/content/dam/images/g/s/q/h/w/t/image.related.landscape.120x80.gtzzv7.png/1485740391297.jpg)
Would you invest in something for which there is no information on whether it is likely to be a good investment?