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Taster: August 2025 – Retiree Newsletter

Retiree edition August 2025

Welcome to our taster newsletter for July.

Happy new (financial) year!

Super doesn’t automatically form part of your estate — and the type of death benefit nomination you make can have big implications for your loved ones. The case studies in this month’s complimentary guide show just how different the outcomes can be.

Become a SuperGuide member and gain clear, expert guidance on turning your super into a reliable, tax-free income in retirement. SuperGuide is also fully up-to-date with the latest financial year rule changes applying from 1 July.

How long does my super need to last in retirement?
Most people think about retirement planning in terms of savings and income — but there’s one crucial question that doesn’t get enough attention: ‘How long will your retirement actually last?’ Read more.
How long does my super need to last in retirement?
Most people think about retirement planning in terms of savings and income — but there’s one crucial question that doesn’t get enough attention: ‘How long will your retirement actually last?’ Read more.

Welcome to our taster newsletter for July. 

Happy new (financial) year!

Are you getting the full tax benefits from your SMSF pension? It’s not just about drawing the minimum — how and when you take withdrawals can make a big difference. This month’s complimentary guide walks through practical strategies to maximise tax-free income and keep your fund compliant.

Become a SuperGuide member for expert guidance, smart strategies, and timely updates that help you run your fund more efficiently in retirement. SuperGuide is also fully up-to-date with the latest financial year rule changes applying from 1 July.

What SMSF trustees need to know about exempt current pension income (ECPI)
Understanding the rules around ECPI can help reduce tax and save costs when fund members move into retirement phase. Read more.
What SMSF trustees need to know about exempt current pension income (ECPI)
Understanding the rules around ECPI can help reduce tax and save costs when fund members move into retirement phase. Read more.

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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: Thanks for getting in touch.

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.

LDiscover 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.

5 reasons to become a SuperGuide member this financial year

The new financial year has just begun — and with it, new rules that could affect your super and retirement plans. Whether you’re on the cusp of retiring or still a few years away, SuperGuide can help you make smarter decisions and feel more in control.

  1. Take the first step towards a better retirement. Planning for retirement can feel overwhelming. We break it down so you can take clear, confident steps — from getting started to turning your plan into reality.
  2. Get independent guidance you can trust. We’re 100% independent and our only focus is helping you make informed, unbiased decisions for your future.
  3. Learn how small changes can add up. Simple, practical changes today can mean tens of thousands more in retirement. Our step-by-step guides show you how — even if you only have an hour to spare.
  4. Make your money last longer. Retirement finances aren’t set-and-forget. We help you stay on top of your strategy with easy-to-understand tools, regular checklists, and expert advice.
  5. Stay on top of changes. From contribution caps to new laws like Division 296, we explain what’s changing and how it affects you — in plain English, with updates, webinars and Q&As all year round.

BONUS: Members also get exclusive discounts on retirement projections, retirement courses and a healthy ageing program.

Your retirement won’t plan itself! Research shows Australians who engage with their super are more confident, more likely to retire on their own terms, and enjoy greater peace of mind.

5 reasons to become a SuperGuide member this financial year

July 1 marks the start of a new financial year — and with it, important changes for SMSFs, including new tax rules like Division 296. SuperGuide helps you stay on top of what matters, so you can manage your fund with more confidence and less stress.

  1. Master SMSF specific strategies. SMSFs offer unique opportunities, but it’s up to you to make the most of them. We help you make the most of them with step-by-step guidance, practical case studies, and real-world Q&As.
  2. Get guidance from independent experts. SuperGuide’s team of experts give you the full picture and have only your best interests at heart. We’re completely independent so you get unbiased information you can trust.
  3. Make more informed decisions. The super and SMSF rules aren’t easy to navigate, regularly change and can sometimes feel overwhelming. Our straightforward guides make everything easier to understand, showing you all the options available so you can take advantage of super’s generous incentives.
  4. Stay compliant without the stress. Managing an SMSF can be complex, and ultimately it’s your responsibility to stay on top of changing rules and regulations. SuperGuide has everything up-to-date and in one place so you can save time and avoid the pitfalls.
  5. Only pay for what you need. Whether you’re growing your balance, preparing to retire, or already drawing a pension, our flexible membership options ensure you get maximum value at every stage.

BONUS: SuperGuide members gain access to exclusive discounts including retirement projections, SMSF documents and a healthy ageing program.

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.