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December 2025 Retiree newsletter

Selling your home to boost super? What it means for your Age Pension
The downsizer super contribution offers an enticing opportunity to add more to super when you sell your home, but it could cost you some Age Pension. Is the trade-off worth… Read more.
Selling your home to boost super? What it means for your Age Pension
The downsizer super contribution offers an enticing opportunity to add more to super when you sell your home, but it could cost you some Age Pension. Is the trade-off worth… Read more.
How working affects your Age Pension and tax (including calculator)
Working while receiving the Age Pension could improve your retirement income but after tax and a potential cut to your entitlements, is it worth it? Read more.
How working affects your Age Pension and tax (including calculator)
Working while receiving the Age Pension could improve your retirement income but after tax and a potential cut to your entitlements, is it worth it? Read more.
3 very different types of ‘retirement’
Today’s 60- and 70-somethings are reinventing retirement, easing into it with a focus on finding meaning and purpose in flexible part-time work, volunteering and new activities. Read more.
3 very different types of ‘retirement’
Today’s 60- and 70-somethings are reinventing retirement, easing into it with a focus on finding meaning and purpose in flexible part-time work, volunteering and new activities. Read more.
Pension fund performance: Monthly returns to March 2026
Escalating US-Iran conflict in the Middle East took a toll on pension funds in March but returns have bounced back in April. Read more.
Pension fund performance: Monthly returns to March 2026
Escalating US-Iran conflict in the Middle East took a toll on pension funds in March but returns have bounced back in April. Read more.

Super strategies for 2026

Wednesday 21 January 2026 at 11:00 am AEST

In this webinar we will explore and explain some of the more beneficial superannuation strategies that you should be considering in the next 12 months. We will cover super strategies for members of all types of superannuation funds, including industry funds, retail funds and SMSFs.

IN CASE YOU MISSED IT: Watch our previous webinar, SuperGuide members Q&A: December 2025.

Q:I have 2 reversionary super pension funds with Australian super and would like to change both to Australian Retirement trust – is that allowed?

I heard that may not be possible as in the transfer the accounts have to go back to accumulation which is not permitted.

Does such a move negate any government grandfathered entitlements eg Commonwealth seniors health card?

Please refer me to where to look on your extensive member web site.

A: If you are receiving the pensions as the result of another person’s death (i.e., you are the reversionary pensioner) it is possible to rollover the accounts to a new provider without transferring back to the accumulation phase.

AustralianSuper must use the Death benefit rollover statement (DBRS) to transfer your accounts directly to Australian Retirement Trust where new account-based pensions will be created.

If you are instead the primary owner of the accounts and have nominated another person to receive a reversionary pension should you pass away, then the accounts can be rolled over via the accumulation phase to your new provider.

Changing super funds means that any grandfathered arrangement for income testing of your pensions for the purposes of the Commonwealth seniors health card (CSHC) and Age Pension will be lost. See our article about the CSHC and the social security guide for more.

If you will leave a significant estate behind, a testamentary trust may be worth considering for asset protection and tax benefits.

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.