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  • SMSFsAs if superannuation wasn’t complex enough, when you have a self-managed superannuation fund (SMSF) you take on considerably more responsibility, and it’s essential therefore to have a comprehensive understanding of the current super and SMSF rules. In this section you will find detailed explanations of the SMSF rules and the responsibilities for SMSF trustees. SMSFs for beginners SMSF administration SMSF checklists SMSF compliance SMSF investment SMSF pensions SMSF strategies SMSF Q & As As a first step, the following are key articles that describe how SMSFs work.
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    • SMSF strategies and checklistsUse proven strategies and practical checklists.
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December 2025 Super booster newsletter

Super funds of the year awards: Best super funds for 2025–26
While returns are important, they are not the only ingredient in a top super fund, as these annual awards show. Read more.
Super funds of the year awards: Best super funds for 2025–26
While returns are important, they are not the only ingredient in a top super fund, as these annual awards show. Read more.
How much super should I have at my age?
There’s plenty of information on how much super you need for a comfortable retirement, but little on how much you should have now to reach your target. We provide some guidance to this important question. Read more.
How much super should I have at my age?
There’s plenty of information on how much super you need for a comfortable retirement, but little on how much you should have now to reach your target. We provide some guidance to this important question. Read more.
Making super contributions after age 60: Even in retirement
If you have cash to spare or receive a windfall, there are many ways you can add to your super later in life, even if you are no longer working. Read more.
Making super contributions after age 60: Even in retirement
If you have cash to spare or receive a windfall, there are many ways you can add to your super later in life, even if you are no longer working. Read more.
TPD insurance in super: How much is enough? (including calculator)
Permanent disability insurance can provide financial security for you and your family if an illness or injury prevents you from going back to work. Read more.
TPD insurance in super: How much is enough? (including calculator)
Permanent disability insurance can provide financial security for you and your family if an illness or injury prevents you from going back to work. Read more.
Super news for December 2025
Retiree budgets under pressure, Regulators fail to protect members’ super, Financial advisers’ deadline looms, Australian Ethical governance issues exposed. Read more.
Super news for December 2025
Retiree budgets under pressure, Regulators fail to protect members’ super, Financial advisers’ deadline looms, Australian Ethical governance issues exposed. Read more.
Super fund performance: Monthly returns to April 2026
Super funds bounced back in April despite ongoing volatility and are on course for another positive financial year. Read more.
Super fund performance: Monthly returns to April 2026
Super funds bounced back in April despite ongoing volatility and are on course for another positive financial year. Read more.

Super strategies for 2026

Wednesday 21 January 2026 at 11:00 am AEST

In this webinar we will explore and explain some of the more beneficial superannuation strategies that you should be considering in the next 12 months. We will cover super strategies for members of all types of superannuation funds, including industry funds, retail funds and SMSFs.

Find out more

IN CASE YOU MISSED IT: Watch our previous webinar, SuperGuide members Q&A: December 2025.

Q: Do you have any information on if superannuation is payable on overtime? Also, my employer has been paying my superannuation late. What are their obligations to pay it on time? Can they be penalised? And who can I escalate a complaint to?

A: In 2025–26, the SG contribution rate is 12% of your ordinary time earnings (OTE) and is paid on top of your wages or salary.

Your OTE is usually the amount you earn for your ordinary hours of work and includes commissions, shift loadings and allowances, bonuses and any over-award payments. It does not include any overtime payments. However, for more detailed information about what payments are included in OTE, see the ATO’s website and refer to this article. 

You can also refer to this article for general information on what to do if your employer isn’t paying your super on time. Note that from 1 July 2026 all employers will need to pay your super within 7 days of payday, rather than within 28 days of the end of the quarter.

This is general information only. Please consult a qualified professional or the ATO for more details.

Find out how splitting super contributions with your spouse can maximise your super opportunities.

Important: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.

SuperGuide is Australia’s leading superannuation and retirement planning website.

SuperGuide Pty Ltd ATF SuperGuide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.

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All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

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