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Home / In retirement

In retirement

Retirement is meant to be a reward for hard work, a time to kick back and do a bit of what you fancy. It’s all that, but it is also a time when many decisions and choices need to be made.

SuperGuide’s retirement articles cover everything from taking your super as a lump sum or an income stream (also called a super pension) to what happens to your super when you die. We even have a handy calculator to help you estimate how long you can expect to live.

Along the way, we also examine working in retirement, a guide to the Age Pension eligibility and payment rates and eligibility for concession cards for seniors and pensioners.

And if the very thought of all these decisions makes your head spin, we have a guide to seeking independent financial advice.

Set out below are the key topics in retirement:

  • Super lump sums
  • Super pensions
  • Age Pension
  • Working in retirement
  • Life in retirement
  • Seniors concessions and services
  • Aged care
  • Estate planning
  • Super death benefits

As a first step, the following are key articles that tackle the big questions in retirement.

Reverse mortgages: What are they and how do they work?

December 2, 2020

Age Pension rates (March 2020 to March 2021)

September 18, 2020

Age Pension calculator: How much could you be eligible for?

September 18, 2020

Case studies: How is the Age Pension assessed?

September 17, 2020

How to maximise your Age Pension

September 17, 2020

Am I eligible for the Age Pension?

September 3, 2020

What is the Pension Loans Scheme, and how does it work?

September 2, 2020

What government services are available for older Australians?

September 1, 2020

How to make super contributions after you’ve retired

July 8, 2020

Video: Wellbeing in retirement

July 1, 2020

Worried about your post-virus finances? 10 tips to help stretch your retirement dollars

April 1, 2020

What strategies can I consider to reduce tax on my super pension?

April 1, 2020

Minimum pension payments for 2020/21 (including calculator)

April 1, 2020

Is a bucket strategy the solution for your retirement income plan?

March 23, 2020

How does your super affect the Age Pension?

March 1, 2020

Introduction to aged care

February 13, 2020

What concession cards are available for Seniors and Pensioners?

January 15, 2020

Your simple guide to state Seniors Cards: How they can save you money

January 1, 2020

How to choose an investment option for your super pension

December 11, 2019

Commonwealth Seniors Health Card: What it is and how to apply

October 15, 2019

Set out below are all SuperGuide articles that relate to In retirement.

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Granny flats: How to ensure everyone’s rights are protected

January 16, 2021 by Bina Brown Leave a Comment

New rules have clarified the tax, Age Pension and other implications of granny flats, but putting a formal agreement in place is vital.

Reverse mortgages: What are they and how do they work?

December 2, 2020 by Janine Mace Leave a Comment

If your super account is not as big as you would like when you retire, one solution could be to look to your home as a way to generate some extra money – and that doesn’t necessarily mean you need to become an Airbnb host.

Video: Home equity release for retirees

December 1, 2020 by Tracey Spicer Leave a Comment

Tracey Spicer talks to Dr Sarah Sinclair from RMIT about home equity release products for retirees, such as reverse mortgages and the Pension Loans Scheme.

Change your mindset: Ways to deal with boredom in retirement

December 1, 2020 by Dr Jon Glass Leave a Comment

No need to be bored or overwhelmed now that you have finished work. Make the most of your retirement with expert tips from Dr Jon Glass.

Perspectives on retirement

October 1, 2020 by Dr Jon Glass Leave a Comment

As a retirement coach I help people with their emotional (non-financial) journey to a fulfilling retired life. The definition of a ‘fulfilling retired life’ is very personal, which means it can’t be defined by a checklist.

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Age Pension rates (March 2020 to March 2021)

September 18, 2020 by Barbara Drury 37 Comments

Age Pension rates increased on 20 March 2020. This article also explains how the Age Pension works, and includes the latest Age Pension rates for residents, non-residents, and the transitional Age Pension.

Age Pension calculator: How much could you be eligible for?

September 18, 2020 by Barbara Drury 3 Comments

Our Age Pension calculator gives you an indication of potential Age Pension entitlements. The Age Pension rates are those that apply from 20 March 2020 to 19 September 2020.

Age Pension income test limits (July 2020 to March 2021)

September 18, 2020 by Barbara Drury Leave a Comment

A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”.

Age Pension assets test limits (July 2020 to March 2021)

September 18, 2020 by Barbara Drury Leave a Comment

This article details the rules and limits of the Age Pension assets test (how much your savings and other assets are worth), which is one half of the means test (along with the income test) that determines how much Age Pension you could be eligible for.

Case studies: How is the Age Pension assessed?

September 17, 2020 by Regan Welburn Leave a Comment

In this article we detail how the Age Pension is assessed, how the income and assets tests work, and illustrate with case studies for a Single and a Couple.

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How to maximise your Age Pension

September 17, 2020 by Regan Welburn Leave a Comment

There are many strategies you can employ to ensure that you’re making the most of your Age Pension, and in this article we’ll showcase some of the best options that may assist you.

Video: Maximising your Age Pension

September 7, 2020 by Tracey Spicer 1 Comment

Tracey Spicer talks to Regan Welburn from Marathon Financial Planning about how to maximise your Age Pension and other concessions available for seniors.

Am I eligible for the Age Pension?

September 3, 2020 by Barbara Drury Leave a Comment

A common question from people planning their retirement is if, and when, they will be eligible for the Age Pension.

What is the Pension Loans Scheme, and how does it work?

September 2, 2020 by Janine Mace Leave a Comment

Older Aussies looking to boost their retirement income can take advantage of the government’s Pension Loans Scheme to generate a non taxable fortnightly income stream that helps pay their bills.

What government services are available for older Australians?

September 1, 2020 by Barbara Drury Leave a Comment

If you are retired or planning to do so in the near future it’s worth taking some time to check out the wide range of services, concessions and discounts available for older Australians.

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How super works
Super for beginners
Super rules
Employers guide to super
Super contributions
Super and tax
Accessing super
Super news
Women and super
Super tips and strategies
How-to guides
Super quizzes
Superannuation Q&As
Superannuation glossary
Super funds
Best performing super funds
Super fund rankings
Best performing pension funds
Pension fund rankings
Super fund average returns
Super investing strategies
Comparing super funds
Choosing a super fund
Choosing an investment option
Super fund fees
Insurance and super
Super fund profiles
SMSFs
SMSFs for beginners
SMSF administration
SMSF checklists
SMSF compliance
SMSF investing
SMSF pensions
SMSF strategies
SMSF Q&As
Plan your retirement
Retirement planning for beginners
When should I retire?
How long will I live?
How much super do I need?
Will I get the Age Pension?
How much will I spend in retirement?
Financial advice
Retiring overseas
Preparing for retirement
Retirement planning strategies
Retirement calculators and reckoners
In retirement
Income in retirement
Super lump sums
Super pensions
Age Pension
Working in retirement
Life in retirement
Senior concessions and services
Aged care
Estate planning
Super death benefits
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