Education

Superannuation is Australia's primary retirement savings vehicle and, for most people, the largest financial asset they will ever accumulate. Understanding how inflation interacts with your super balance is a practical necessity.

Employer contributions happen automatically — but the investment option your balance sits in, fees being charged, whether your insurance still suits your life stage, and whether you have multiple lost accounts all require active attention. A worker who moves between employers and never consolidates …

For many women, a smaller super balance means greater reliance on the Age Pension and reduced flexibility in retirement. In 2026, with the SG rate at its highest ever level of 12%, the foundation is stronger — but it will not close the gap …

These changes directly affect how much tax you pay, how much you can contribute, and how much of your super can generate tax-free retirement income. If retirement planning has been on autopilot, now is the time to switch it off.

Log into myGov and link your ATO account to see all super accounts in your name. Lost accounts charge fees year after year without benefit. Consolidating into a single well-chosen fund — after comparing fees, performance, and insurance coverage — can save meaningfully over …

Because the 0.50% coupon is below the prevailing market yield of roughly 4.35%, the bond currently trades at a discount to par, with an indicative clean price near A$98.94 per A$100 of face value. The sub-par price means a meaningful share of total return …

As a Treasury Indexed Bond (TIB), the security’s face value is adjusted for movements in the Consumer Price Index (CPI). Both the semi-annual coupon and the final principal repayment are calculated on the inflation-adjusted (indexed) capital value, so the instrument delivers a contractually protected …