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Annuities and lifetime income streams: How they work and who they suit
Modern annuities not only offer guaranteed income in retirement but some pay income for life and may increase your Age Pension entitlements.
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What is an investment-linked lifetime income stream?
It’s been a long time coming, but super funds are beginning to offer more flexible pension products offering income for life.
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Total super balance vs Transfer balance cap explained
The acronyms may be similar, but these two terms are not the same. We clear up the confusion and explain how they affect what you can do with your super.
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What are the accumulation and retirement phases of super?
The two phases of super have different features, and you can have accounts in both phases simultaneously.
Upcoming webinar
Making the most of your SMSF in FY27
Thursday 16 July 2026 at 11:00 am AEST
FY 2027 is already shaping up to be a monumental year for SMSF trustees and members. With increases to contribution caps and further indexation to the pension limits, now is the time to be putting in place your contribution, pension, and investment strategies for the 2027 financial year.
You may also need to prepare your SMSF for Division 296 tax, which starts on 1 July 2026. SMSF trustees need to understand and maximise the transitional rules for FY 2027
IN CASE YOU MISSED IT
Watch our previous webinar, SuperGuide members Q&A: June 2026
Q&A of the month
Q: A member has met a condition of release via being aged over 60 and ceasing an employment. The account is still in accumulation phase. The member has since started another job – should any subsequent contributions (concessional or non concessional) be treated as preserved or unrestricted non preserved?
A: Contributions received after a member has met a condition of release are preserved until a condition of release is met again.
For example, when a member over 60 leaves a job their balance becomes non-preserved since the retirement condition of release was met.
Future contributions and investment earnings are preserved until the member can again declare they have met a condition of release. That may be by leaving another job after their 60th birthday, permanently retiring, or turning 65.
Learn more about accessing super between age 60 and 65.
Tip of the month
If retirement is around the corner, don’t assume it’s too late for new strategies to have an impact on the super balance you accumulate. Learn how to take action during your last working years.
