Super | Ariana Accounting

Adjusting Your Retirement Planning When Circumstances Change

AcctWeb — Sun, 08 Mar 2026 22:44:18 +0000

Retirement planning is rarely a “set and forget” exercise. While it’s natural to build a plan based on your current circumstances, life has a habit of changing course. Career shifts, family milestones, and unexpected financial events can all reshape your financial position over time. The key to long-term success is recognising when these changes occur…

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Can You Access Income Protection Through Superannuation?

AcctWeb — Sun, 15 Feb 2026 22:00:30 +0000

Life rarely unfolds exactly as planned. Illness or injury can strike without warning, and when it does, the ability to earn a regular income can be seriously disrupted. For many Australians, income protection insurance held through superannuation provides an important financial safety net, helping to replace part of their income if they are temporarily unable…

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Payday Superannuation: What It Is And Why It Matters

AcctWeb — Sun, 25 Jan 2026 22:22:09 +0000

For many Australians, superannuation is one of the most important long-term financial tools, yet it can sometimes feel complicated or distant. One concept gaining attention (and legislative action) is payday super, a practical approach designed to help employees make consistent contributions and maximise retirement outcomes. What Is Payday Super? Payday super isn’t a new type…

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Using Superannuation To Cover Medical Expenses: What You Can (And Can’t) Claim

AcctWeb — Sun, 07 Dec 2025 22:58:03 +0000

Superannuation is designed to fund your retirement, but in certain circumstances, you may be able to access it early to help cover significant medical expenses. While it’s not a decision to take lightly, early access can provide relief during challenging times – particularly when essential medical treatment creates financial pressure. Understanding when you can use…

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Don’t Treat Your Super As A Holiday Fund, The ATO Warns

AcctWeb — Sun, 16 Nov 2025 23:44:28 +0000

As the festive season approaches, it’s natural to feel the pinch—extra gifts, extra meals, travel, and year-end celebrations all add up. For members and trustees of a Self-Managed Super Fund (SMSF), the message from the ATO is clear: don’t treat your super as a holiday fund. Why This Warning Matters. There are very limited circumstances…

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Payday Super: What Employers Need to Know About the Draft Proposal

AcctWeb — Wed, 29 Oct 2025 04:07:22 +0000

Australia’s superannuation system is set for one of its biggest shake-ups in decades. The government’s “Payday Super” draft proposal aims to make super payments faster, fairer, and more transparent – but it also means significant changes for how employers handle payroll and compliance. Under the current rules, employers pay superannuation guarantee (SG) contributions quarterly. The…

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Superannuation and Relationship Breakdowns: What You Need to Know

AcctWeb — Sun, 05 Oct 2025 23:13:55 +0000

When a relationship ends—whether it’s a marriage or a de facto partnership—there’s a lot to work through emotionally, practically, and financially. Among the assets that need to be considered is superannuation. While it’s often thought of as a “retirement-only” fund, super is treated as property under family law and can be divided when couples separate.…

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Lodging a Tax Return in Retirement: What You Need to Know

AcctWeb — Sun, 14 Sep 2025 23:00:18 +0000

Retirement doesn’t automatically mean freedom from tax obligations. While some retirees may no longer need to lodge a tax return, many still do – depending on their income sources. Let’s take a look at a breakdown of the rules around tax returns in retirement and what to watch for. Do You Have to Lodge a…

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Why a One-Size-Fits-All Approach to Retirement Doesn’t Work

AcctWeb — Sun, 24 Aug 2025 22:56:23 +0000

When it comes to retirement planning, there’s no shortage of advice — from rules of thumb like “you’ll need 70% of your pre-retirement income” to blanket strategies about when to downsize or how to invest. While these can be helpful starting points, the reality is that no two retirements look the same. Trying to apply…

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Superannuation, The Self-Employed & Contractors

AcctWeb — Sun, 15 Sep 2024 23:53:58 +0000

If you’re a contractor, freelancer, or self-employed, you’re probably already juggling multiple responsibilities, from managing clients to keeping track of your income. One area that often gets overlooked is superannuation, but it’s crucial to think about your future. Even though you may not have an employer making regular super contributions on your behalf, you can…

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