Retirement

Retirement is a big term that covers retirement planning, taking a pension, working in retirement, how much money is enough and more. The term ‘retirement’ also has a special meaning for when you can access your superannuation benefits.

Set out below are all SuperGuide articles explaining Retirement.

SMSF investment: Franked dividends lose some shine from 1 July 2015

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The Liberal government has committed to reducing company tax to 28.5%, effective from 1 July 2015 (subject to legislation). If the company tax rate drops to 28.5%, so does the level of franking credits linked to Australian company dividends.The policy to cut company tax was originally linked to … [Read more...]

Age Pension age increasing to 70 years (updated table)

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Note: This article (including table) explains the Age Pension eligibility age, which jumps by 5 years for younger Australians, subject to legislation. If you are seeking information on the retirement age for accessing superannuation benefits see SuperGuide article Accessing super: What is my … [Read more...]

Putting a real cost on delaying the super guarantee rise

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By Roger Wilkins, University of Melbourne and Carsten Murawski, University of MelbourneThe Abbott government’s deal with the Palmer United Party to freeze the minimum superannuation contribution rate at 9.5% until 2021 will not only cost retirees, it will also see future governments forced to … [Read more...]

Accessing super early: 14 legal reasons to cash your super

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Many Australians are facing hard times, especially with structural change transforming our economy. The harsh reality is that mortgage repayments and everyday living expenses continue even when you when suffer redundancy, illness or other forms of misfortune.We receive hundreds of emails from … [Read more...]

Accessing super early: Not for business debts

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Q: I am in partnership in a franchise business. We have been struggling since the beginning of the recent financial crisis, and have fallen behind on rent and we are just managing to keep up with service providers. I would like to withdraw my superannuation to invest into the business. I only have … [Read more...]

Super for beginners, part 24: Do I have to withdraw my super when I turn 65?

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Q: I retired, sold my large house, downgraded, invested spare money and one month after I invested, I lost $50,000 just like that. I would like to know whether I can keep my super going beyond age 65, maybe to age 67 to help recoup my losses on my outside investment?A: I’m very sorry to read … [Read more...]

Accessing super early on ‘compassionate grounds’

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If you are having financial trouble, or you are suffering chronic illness, or you require significant medical attention, you may be able to access your super benefits early.If you require medical treatment, or medical transport for medical treatment, then you may be able to apply for early … [Read more...]