All guides

How super administration fees work in Australia — weekly flat fees, percentage fees, caps and tiers — with worked examples at different balances and multiple accounts.

How APRA's annual superannuation performance test works for MySuper and trustee-directed products, what the 2026 results show, and the steps to take if your product fails.

How buy/sell spreads and switching fees work in Australian super funds, when they apply to rollovers and option switches, and worked examples of the cost.

How investment fees and costs, performance fees and transaction costs work in Australian super, why they vary by option, and how to read them in a PDS.

How payday super works from 1 July 2026, the 12% super guarantee rate, who is eligible, and how to check each payment reaches your fund within 7 business days.

The 2026–27 super numbers a fund member needs in one place — contribution caps, carry-forward, transfer balance cap, Division 293 and the status of the Division 296 tax.

A plain-English guide to Australian super fund fees for 2026–27 — administration, investment, transaction, buy/sell, advice and insurance costs, with dollar examples.

A step-by-step guide to the ATO's YourSuper comparison tool — what it shows, what it leaves out, and how to use it alongside your own statement before changing funds.

How fees work in an account-based pension, the minimum drawdown rates, the general transfer balance cap of $2.1 million from 1 July 2026, and a worked example.

How to combine super accounts using myGov and the ATO, your fund or a rollover form, the checks to run first on insurance and employer contributions, and a worked saving.

A step-by-step illustrative calculation of how super fee differences of 0.25, 0.5 and 1 percentage point compound over 10, 20 and 30 years, with the method shown.

A practical order for comparing Australian super funds — fees in dollars, long-term net returns, investment options, insurance, services and employer arrangements — with a worked comparison.

How life, TPD and income protection cover inside Australian super works, what premiums cost your balance, the inactivity, under-25 and $6,000 rules, and a review checklist.

How fees and risk differ between super investment options in Australia, with an illustrative comparison of four options and a method for choosing on cost and strategy.

When Australians can access super in 2026–27 — preservation age 60, retirement, leaving a job after 60, turning 65, transition to retirement — with examples and fee points.

How to make a complaint to your super fund, how long the fund has to respond, when and how to go to AFCA free, the time limits for super complaints, and what to include.

The lawful ways to access super early in Australia — severe financial hardship, compassionate grounds, terminal illness, incapacity — the limits, and the illegal early release schemes to avoid.

How to find lost and unclaimed super in Australia using myGov, the ATO app or phone line, what ATO-held super is, and how to claim it without paying anyone.

Who gets your super when you die, how binding and non-binding nominations work, who counts as a dependant, tax on death benefits, and the nomination mistakes to avoid.

The super mistakes that most often cost Australians money — duplicate accounts, lost insurance, unpaid super, scams, missed nominations — with fixes and official contacts.

How super switching scams and high-pressure sales work in Australia — cold calls, 'free super health checks', SMSF pitches — the warning signs, checks with ASIC and what to do.

How to tell if your employer has not paid your super under payday super, the steps to take with your employer, how to report unpaid super to the ATO, and what records to keep.