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August 2026 Retirement planner newsletter

How to choose a super fund for your pension
It’s tempting to stick with your current fund, but that could cost you. Follow our simple steps to choose a product that could set you up for life. Read more.
How to choose a super fund for your pension
It’s tempting to stick with your current fund, but that could cost you. Follow our simple steps to choose a product that could set you up for life. Read more.
How retirees are using home equity to boost income
If your retirement income falls short of your needs but you own your home, an equity release product can help bridge the gap. Read more.
How retirees are using home equity to boost income
If your retirement income falls short of your needs but you own your home, an equity release product can help bridge the gap. Read more.
Where to find retirement income in addition to super
While a healthy super balance is comforting, in practice your retirement income is likely to come from a variety of sources. Read more.
Where to find retirement income in addition to super
While a healthy super balance is comforting, in practice your retirement income is likely to come from a variety of sources. Read more.
What concession cards are available for seniors and pensioners?
If you are a pensioner, self-funded retiree or still working in your 60s, don’t be shy; these concession cards are worth signing up for. Read more.
What concession cards are available for seniors and pensioners?
If you are a pensioner, self-funded retiree or still working in your 60s, don’t be shy; these concession cards are worth signing up for. Read more.
Explore a transition to retirement strategy using Industry Super’s TTR calculator
A video walkthrough of Industry Super Funds’ updated transition to retirement (TTR) calculator, showing how to model three common TTR scenarios and where the tool’s limitations start to matter. Read more.
Explore a transition to retirement strategy using Industry Super’s TTR calculator
A video walkthrough of Industry Super Funds’ updated transition to retirement (TTR) calculator, showing how to model three common TTR scenarios and where the tool’s limitations start to matter. Read more.

Downsizer contributions

Thursday 20 August 2026 at 11:00 am AEST

What you need to know to get the best outcomes with Downsizer contributions, including how the eligibility rules operate, the relevant timing requirements, Centrelink outcomes and your overall strategy considerations.

We will also look at the effect of recent superannuation tax law changes and why these changes need to be considered by those considering making a downsizer contribution.

IN CASE YOU MISSED IT: Watch our previous webinar, Making the most of your SMSF in FY27

Q: A condition of release has been met, but an account based pension has not yet been started.

The taxed percentage of the fund is high at 90%, so a recontribution strategy is being contemplated.

The fund balances allow a 3-year bring forward amount which would allow $390,000 to be taken as a lump sum and then $390,000 recontributed, however there is only $130,000 of cash in the fund (without selling any fund investments).

Is it okay to withdraw $130,000 and recontribute $130,000 three times in the space of a few days or does the $390,000 have to be transacted in one transaction?

A: There is nothing to prevent an individual from making multiple withdrawals and re-contributions in a short space of time. However, such a strategy would reduce the effectiveness of a re-contribution strategy if the contributions are paid back into the same superannuation interest/account that the withdrawals are drawn from.

The effect occurs because of the proportioning rule that requires each withdrawal to reflect the same proportion of taxable and tax-free components that exist in the interest the amount is drawn from. As a result of this rule, subsequent withdrawals from an account that has received a re-contribution will remove some of the tax-free component that was just created by the prior re-contribution.

It is generally advised to use a separate account for contributions to prevent this dilution from occurring if further withdrawals and re-contributions are planned in future, although this may not be possible if sufficient cash for withdrawals is not available in an SMSF.

Importantly, it is not possible to maintain more than one accumulation interest for the same member in an SMSF, but multiple pension accounts are available. Multiple accumulation accounts are possible in funds other than SMSFs.

You may need professional advice on your position and options to create an effective re-contribution strategy, including whether an in-specie withdrawal and contribution of assets could be possible, or if the sale of assets is advisable to finance a larger withdrawal.

Learn more about the re-contribution strategy and see our case study on the importance of separate accounts, plus details on bring forward. You may also be interested in learning about in-specie withdrawals and in-specie contributions.

If you’re 60+ and not using a transition to retirement strategy, you could be leaving money on the table. Learn how it works and watch the webinar for more.

Important: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.