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What lifecycle super funds can teach us about investment risk around retirement
Lifecycle super funds start cutting growth assets at about 50 and keep going after 65. Here’s what APRA’s June 2026 figures show they hold through your 50s and 60s, and what changes when your pension starts.
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What different types of financial advice should I consider?
Good advice can make a big difference to both your financial position and retirement plans, but it can be confusing to know what’s available and who to ask.
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Common ‘myth-conceptions’ about retirement income
Given the complexity of super and how it interacts with the Age Pension, it’s not surprising that misunderstandings abound. So let’s bust a few myths.
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How long you can expect to live and what it means for your super
Most of us underestimate how long we’ll live. See the latest Australian life expectancy figures, the odds of reaching 90 or 95, and how your circumstances can shift them.
Upcoming webinar
My retirement plan: How to build yours, step by step
Wednesday 18 November 2026 at 2:30 pm AEDT
In this workshop, we’ll use SuperGuide’s new My retirement plan template to build a plan for a fictional couple. We’ll cover their spending, savings and whether a retirement calculator says they’re on track.
Independent financial advisers will then discuss the harder decisions and answer questions members submit when they register.
IN CASE YOU MISSED IT
Watch our previous webinar: Related party transactions: The SMSF rules you need to know
Q&A of the month
Q: If I’ve made a concessional contribution this financial year and received acknowledgement from my fund of a notice of intent to claim a deduction, can I then withdraw a lump sum from my accumulation account after receipt of the acknowledgement, without there being any impact on the tax deduction? (Preservation age has been reached.)
A: Yes, that is correct.
The fund is not able to accept a notice of intent to claim a deduction if the contribution has been withdrawn before the notice, so no tax deduction can be claimed in this case and the amount will remain a non-concessional contribution.
It is however possible to withdraw a concessional contribution after the fund has received and accepted a notice to claim a deduction, including if the tax return for the relevant year has not yet been completed or processed.
Learn more about tax-deductible super contributions.
Tip of the month
Claiming a tax deduction for personal super contributions can help build your savings and reduce tax at the same time, but there are deadlines and rules to monitor. Find out how to make a deductible contribution.
