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April 2026 Retirement planner newsletter

How much super do I need to retire?
Forget advice saying you need $1 million in super to retire. The amount you will need depends on your personal circumstances and preferences, and may be less than you think. Read more.
How much super do I need to retire?
Forget advice saying you need $1 million in super to retire. The amount you will need depends on your personal circumstances and preferences, and may be less than you think. Read more.

Welcome to our special newsletter on how much super you need to retire. Click the links below to learn how much super you need to retire on a particular income amount per year.

We also cover how much income you can generate from a particular super balance.

How to take advantage of the increased transfer balance cap
An increased Transfer Balance Cap creates opportunities to transfer more into the tax-free retirement phase and contribute more to super but beware the fine print! Read more.
How to take advantage of the increased transfer balance cap
An increased Transfer Balance Cap creates opportunities to transfer more into the tax-free retirement phase and contribute more to super but beware the fine print! Read more.
How to invest your super in retirement
Choosing your retirement investment mix carefully can help stretch your savings further at a level of risk you’re comfortable with. Read more.
How to invest your super in retirement
Choosing your retirement investment mix carefully can help stretch your savings further at a level of risk you’re comfortable with. Read more.

2026 year-end superannuation tips and traps

Wednesday 13 May 2026 at 11:00 am AEST

Several superannuation changes take effect on 1 July this year, so ensuring you are in the best position to take advantage of these changes is essential.

In this webinar we will highlight year-end strategies and procedures to achieve the best outcomes from your superannuation this year and prepare for the year ahead.

IN CASE YOU MISSED IT: Watch our previous webinar, Division 296: The new tax on your super savings is now law!

Q: I am 66 and considering retiring. My wife is 63 and not working. When it comes to the Assets test for the pension – does my wife’s super balance count as part of the assets test?

A: The superannuation balance of a person under age 67 is not counted in Centrelink’s assets or income tests while it is held in an accumulation account.

If the balance is used to start a pension, it will be assessed.

This means that holding super in the accumulation phase account of a younger spouse can improve the rate of Age Pension paid to their older partner.

A good retirement planning calculator is an essential tool to see if your plans are on track and how you can improve your position. Our guide to selecting a calculator can help.

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.