Articles by
Kate Crawford
-
Proportioning rule explained: Why it matters for withdrawals and death benefits
UpdatedYou can’t choose which part of your super to withdraw. Learn how the proportioning rule sets the tax on every payment and what your adult children could pay when they inherit your super.
-
How to start a super pension: A step-by-step guide
UpdatedStarting a super pension is a big step, but the decisions you make beforehand can matter just as much as the pension you choose.
-
How working affects your Age Pension and tax
UpdatedWorking while receiving the Age Pension could improve your retirement income but after tax and a potential cut to your entitlements, is it worth it?
-
Transition to retirement (TTR) pensions: How they work
UpdatedIf you’re over 60 and not ready to retire but want extra cash to top up your super, a transition to retirement (TTR) pension could help.
-
Age Pension gifting rules: How giving away assets affects your pension
UpdatedUnder the Age Pension gifting rules, giving away assets won’t necessarily boost your pension, and could even cut it.
-
The financial and health benefits of working past age 65
UpdatedStaying in the workforce beyond a traditional retirement age could boost both your health and finances but it’s not all roses.
-
In your 70s? The super rules that apply to you
UpdatedThe super rules in your 70s come with a hard deadline at 75, and a little-known window just after it that can make a big difference.
-
Dual pension strategy: Reducing tax on inherited super
UpdatedYour spouse can inherit your super tax free, but adult children often can’t. Starting a second pension can reduce the tax they pay.
-
Case study: Super recontribution strategy to reduce death benefits tax
UpdatedTaking money out of super and recontributing it straight back sounds pointless, until you see what it does to the tax your children pay.
-
Boost your Age Pension by topping up a younger spouse’s super
UpdatedA quirk in Centrelink’s means testing makes investing in your younger partner’s super a compelling strategy to maximise your Age Pension.
-
Women and super (Part 3): Making the most of your assets after retirement
UpdatedThere are still ways to boost your retirement income and support your lifestyle, even if your final super balance was disappointing.
-
The sprint finish: How to boost your super before retirement
UpdatedIf you are ready to retire but your super balance isn’t, don’t despair. Here are some handy strategies to give your super a last minute cash injection.
-
A tax roadmap for your final working years: Maximising caps, timing
UpdatedMiss the timing in your final working years and some tax breaks are simply gone. Our roadmap shows you what to do, and when.
-
What are defined benefit super funds?
UpdatedDefined benefit super funds are often considered irrelevant dinosaurs, but understanding how they work is essential if you’re entitled to one.
-
Super boosting strategies for independent contractors and gig workers
UpdatedIndependent contractors and gig workers don’t get employer super, so building your retirement savings is up to you.
-
Pension refreshing: How to add to your super pension
UpdatedPension accounts can’t accept contributions directly, but a pension refresh can help you add new savings to your retirement income.
-
Compare retirement scenarios and stress test your plan with Canwi
UpdatedA video walkthrough of Canwi, a planning tool that models your income, expenses, assets, debts and super, then stress tests your retirement plan against 1,000 possible futures.
-
APRA’s performance test: Is your super underperforming?
UpdatedAPRA’s annual test names the super funds and investment options falling short, and what happens next if yours is one of them.
