A poorly constructed will or poor management of your estate plan can overlook tax benefits as well as super and insurance, disadvantaging beneficiaries.
Vita Palestrant
 | Vita Palestrant has contributed to Money for more than 15 years. Previously, she was the editor of the Money section of The Sydney Morning Herald and The Age. Vita has worked on major metropolitan newspapers in Australia and overseas and has won several prestigious journalism awards, including the Citigroup Award for Excellence in Journalism - Personal Finance.
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The first experience of super that many students have after leaving school is bewildering, and it doesn't get any easier.
Most super funds allow you to rebalance your super for free three times a year, so don't be afraid to play an active role in how your money is invested.
What should you do with super during retirement? During the GFC many people panicked and fled to the safety of cash, only to lock in their losses.
Forget property trusts, mortgage funds and term deposits. Investing for trong yield and total return, not just dividends, is the way forward for retirees.
As one divorcee once forlornly explained: "Together we were rich but separately we are poor." So where does super come into the division of assets during divorce?
Why do you need to know how much you're paying in super fees? Because you can't check your fund's performance without knowing what you're paying. So how are the two sets of fees calculated?
Much has been said about consolidating super funds to save on fees but fund members need to be careful how they proceed, particularly if they have health issues.
Age matters when it comes to super. By the time you hit 60, you need to start thinking about strategies to maximise income in retirement.
Working beyond 65 can be financially and socially beneficial, but when it comes to your super you need to first satisfy certain rules.
