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August 2025 Retiree newsletter

Age Pension rates (from September 2026)
Age Pension rates are rising again, but how much you actually get depends on your assets and income. Check the latest rates and figures. Read more.
Age Pension rates (from September 2026)
Age Pension rates are rising again, but how much you actually get depends on your assets and income. Check the latest rates and figures. Read more.
Deeming rates and calculator for the Age Pension income test
Current deeming rates and thresholds for the Age Pension income test. See exactly how your assets are assessed. Read more.
Deeming rates and calculator for the Age Pension income test
Current deeming rates and thresholds for the Age Pension income test. See exactly how your assets are assessed. Read more.
Age Pension assets test rules (from September 2026)
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 … Read more.
Age Pension assets test rules (from September 2026)
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 … Read more.
Age Pension calculator (September 2026 update)
Our Age Pension calculator gives you an estimate of your potential Age Pension entitlements based on your situation, assets and income. Read more.
Age Pension calculator (September 2026 update)
Our Age Pension calculator gives you an estimate of your potential Age Pension entitlements based on your situation, assets and income. Read more.
Age Pension income test rules (from September 2026)
A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”. Read more
Age Pension income test rules (from September 2026)
A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”. Read more
Commonwealth Seniors Health Card: Eligibility and how to apply
Who qualifies for the Commonwealth Seniors Health Card, the income limits that apply and how to apply, plus a video explainer. Read more.
Commonwealth Seniors Health Card: Eligibility and how to apply
Who qualifies for the Commonwealth Seniors Health Card, the income limits that apply and how to apply, plus a video explainer. Read more.

UPDATED BEST PERFORMING PENSION FUNDS

See the top pension funds by investment category over 1 year and 10 years. Now updated to 30 June 2025.

Pension fund performance: Monthly returns to July 2026
Pension funds made a modest start to the new financial year in July, with the median Growth fund up 0.3%. Read more.
Pension fund performance: Monthly returns to July 2026
Pension funds made a modest start to the new financial year in July, with the median Growth fund up 0.3%. Read more.

Q: I have a question you may be able to answer as my super fund is not very clear in their answer.

If I create a pension account (once 65) and keep an accumulation account open with the minimal amount left in it, in the event that my accumulation account still grows (I.e. because of a part time job / contract), am I able to transfer from the accumulation account into the existing pension account over time?

My super fund suggested that I have to establish additional pension accounts each time I want to transfer from accumulation to pension account.

A: Your fund has given you the correct information, but it is perhaps not as complete as it could be.

It is not possible to add to an existing pension account.

If you have built up money in the accumulation phase that you would like to transfer to a pension, and you already have a pension account, you have two options.

  1. Create a second pension, or
  2. Close your existing pension by transferring its remaining balance back to your accumulation account and use the now combined value to open a new pension (leaving a small balance in the accumulation account to keep it open for future contributions if you wish).

Choosing the second option means you retain one pension account rather than two, and may reduce administration fees if your fund charges any portion of their fees as a fixed amount per account.

Discover how a modern investment linked annuity can deliver lifelong income, and possibly an immediate boost to your Age Pension, at a lower cost and with more flexibility than a traditional annuity. 

4-week nutrition course designed for over 55s

10% discount for Nutrition Coach’s Staying Strong, Steady and Sharp course. Find out 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.