money money money 837 superannuation explained: contributions, fees, asset allocation, insurance + more
Sep 15, 2025
Join John Pidgeon, host of This Is Property, as he simplifies the often daunting world of superannuation. He breaks down essential topics such as eligibility, contributions, and the tax advantages that can help build wealth. The discussion includes tips on asset allocation and investment strategies tailored for younger investors. John also dives into personal insurance within super and the importance of understanding beneficiary implications. This engaging conversation ensures listeners leave with valuable insights and a clearer path to mastering their superannuation.
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Tax On Earnings Drops In Pension Phase
- Earnings inside accumulation phase are taxed at 15% but move to 0% inside an account-based pension after 60.
- That tax differential makes long-run growth inside super materially more efficient than outside holdings.
Match Allocation To Time Horizon
- Check your fund's investment options and suggested hold times, and pick based on your timeframe and risk tolerance.
- If you're under 50, consider a high-growth allocation (around 80%) for long-term compounding.
You Don't Need SMSF For ETFs
- You can get ETF-like exposure inside most retail super funds without needing an SMSF.
- Many super funds offer indexed Australian and international share options that mirror popular ETFs.
