Retirement planning

Set out below are all SuperGuide articles explaining Retirement planning.

Financial advice: Only 67 independent financial advisers in Australia

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Note: This article is updated regularly when new financial advisers join the independence club (latest update August 2015). A financial adviser does not have to be a member of the IFAAA to join the SuperGuide list, provided they can declare that they satisfy the requirements of being an independent … [Read more...]

Moving targets: Come on, how much super do I really need?

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This article is updated every 6 months with the latest lifestyle/income data. The most recent data was released in August 2015 (for lifestyle costs as at June 2015). You’re thinking about your retirement and worried about whether you’ll have enough money to live the life you want, or perhaps … [Read more...]

The super challenge: At what age should I retire?

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Selecting a retirement age, even if you plan to continue some form of work during retirement, can be a difficult decision. In some cases, individuals don’t get a choice about when to retire due to health issues, or due to redundancy in later years and then difficulty finding another job. Although … [Read more...]

Same-sex couples: your super rights explained

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Yet again, the government of the day has decided that it is not the right time to allow same sex couples to marry, notwithstanding most polls indicate a majority of Australians support this basic human right for same-sex couples. We have elected a Prime Minister who has publicly stated that he feels … [Read more...]

Life expectancy: Will you outlive your retirement savings?

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Every five years, the latest data is released on average life expectancies, that is, how many years you’re expected to live, on average. The table contained within this article contains the most up-to-date information on expected lifetimes. Note: New life expectancy tables were released by the … [Read more...]

Concessional contributions caps: 10 facts you should know

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We receive many questions about the concessional contributions caps. Throughout 2015 and into 2016, SuperGuide, as always, will regularly update readers on any proposed changes to the contributions caps (and other super changes), and the implications of such changes on super strategies. The list … [Read more...]

Financial freedom: Retirement planning in six steps

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How much money do you need in retirement to live a lifestyle free of everyday money worries? For many Australians, this means a lifestyle where you can pay your bills without financial stress, you can enjoy an occasional holiday (or many!), you can maintain your car and house, and you can buy gifts … [Read more...]

Double contributions tax for high-income earners

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Anyone with an adjusted taxable income of more than $300,000 (including rental property losses and other items) now pays 30% tax on concessional contributions paid into a super fund, doubling the super contributions tax bill for high-income earners. The regular contributions tax is a flat rate of … [Read more...]