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January 2025 Retiree newsletter

How to create an investment portfolio in retirement
Structuring an investment portfolio designed to support you throughout retirement is a different challenge to the strategies you used to build wealth during your working life. Read more.
How to create an investment portfolio in retirement
Structuring an investment portfolio designed to support you throughout retirement is a different challenge to the strategies you used to build wealth during your working life. Read more.
How to maximise your Age Pension
If you’re on a part-Age Pension, or just miss out on one, you may be able to increase your pension entitlements with some of these perfectly legitimate strategies. Read more.
How to maximise your Age Pension
If you’re on a part-Age Pension, or just miss out on one, you may be able to increase your pension entitlements with some of these perfectly legitimate strategies. Read more.

Guides to state seniors cards

Everyone loves a bargain, but once they turn 60 many people forget to grab one of the best deals on offer – their state government’s Seniors Card.

Estate planning and superannuation

Tuesday 25 February 2025 at 4:30 pm AEDT

We will look at how your superannuation benefits interact with your estate planning objectives; What you need to know now to get the best outcomes later. This is a not to be missed webinar for members of all types of super fund.

IN CASE YOU MISSED IT: Watch our previous webinar, Super strategies for 2025.

Q: I have read several articles suggesting that putting money into the super account of my younger spouse could increase my Age Pension entitlement, since they are under 67 and their super is not assessed in means tests. Doesn’t this conflict with the gifting rules? Surely if I give my spouse several hundred thousand dollars, Centrelink will still assess it in my means tests for 5 years because it is a gift of more than $10,000. Please clarify.

A: Since couples are assessed on their combined income and assets, giving money or assets to your spouse is not captured by the gifting rules. The amount is still owned by one of the partners that is being assessed and has not been given away.

As a result, placing funds into the super account of the spouse that is under the Age Pension Age can increase the entitlements of the spouse who has reached the eligibility age.

With so much to stay on top of, keeping up with all your super details can be a chore. Find out how MyGov can help. You may even find an account you’ve lost track of.

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.