Still confused about superannuation and how the July 1 changes this year affect you? You're not alone – each week our super experts John Wasiliev and Sam Henderson are inundated with queries from readers seeking answers for anything from how to handle an insurance payout to what to do about estate planning.

The biggest changes in superannuation in nearly a decade affect all super savers - whether you're just starting out or you've amassed big balances over time and are worried about the $1.6 million cap on tax-free pensions.