Australian Insurance, Finance, Superanuation & Investment Resources

Income Insurance Calculator

Gross Income: How much cover
can I buy?

Need Some Free Superannuation Advice?

Start your free superannuation enquiry here.

I need help/advice for:
All superannuation advice supplied to you without any obligation. We respect your privacy.

Superannuation Advice

Superannuation in Australia

Investment Property Information and Advice

Superannuation is a means of investing toward retirement.

Employers and employees can both contribute to superannuation in Australia ... and contributions are typically invested in the stock market, bonds, real estate, or other approved investment vehicles.

The money invested is subsequently paid to the member (or to the members' beneficiaries) on retirement, disability or death of the member either as a lump sum or as a pension or both. 

Superannuation Guarantee

The Superannuation Guarantee came into effect in 1992, requiring an employer to contribute toward an employee's retirement through superannuation 

The Superannuation Guarantee (Administration) Act 1993 prescribed the employer contributions as a percentage of it's staff wages.

Employers are not required to contribute in some circumstances, e.g. for very low income earners, young workers not working full-time and workers over 70 years of age.

Employers may choose to contribute a higher amount than that prescribed as a means of employee incentive or reward or as part of a salary package.

There are some limitations on the tax deductibility of employer contributions for a given member and, therefore, professional advice should be sought before entering into these arrangements.

There are significant benefits in members saving toward their own future and Superannuation fund members may consider making contributions to superannuation in addition to employer contributions. 

Individuals considering making personal superannuation contributions should seek professional advice.

Related Articles

Values-Based Wealth Planning

How will your beneficiaries deal with your inheritance? Will the real value of the wealth that you pass on be lost on those you are wanting to provide for? We have shared some ideas here that will provide... read more

Choosing the right bank

Whilst many financial institutions have reduced bank branches, the explosion in online banking offers for credit cards, savings or cheque accounts has resulted in an enormous array of alternatives for... read more

Making a Will. Being prepared.

Irrespective of our age, very few of us likes to contemplate the prospect of our own death. Consequently, a large proportion of Australians simply don't get around to preparing a Will, nor giving due consideration... read more

... more articles

Recent News

Timely help for Australians in crisis

Finance News: 29 Jan 2013. Whilst many people around the country are in the process of rebuilding their properties and their lives in the wake of natural disasters, Financial Services Online is pleased... read more

Small loans for Australian small business

Finance News: 27 Apr 2013. Aussie small business, including start-up businesses can now access small loan finance for amounts up to $10,000 with minimal asset backing and regardless of credit history. read more

... more news

  • You can reach us by mail at
  • PO BOX 1183
  • QLD
  • 4221
  • or CLICK HERE for our contact form
financial services online
Important: Financial Services Online is a referral service. We provide general information only and we do not offer financial advice. We refer all insurance, finance and other enquiries that are initialted on this and our associated websites to specialist advisers who are licensed in their respective fields. You should always seek professional advice before making important financial decisions.