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Taster: August 2025 – Retirement planner newsletter

Retirement planner edition August 2025

Welcome to our taster newsletter for July.

Happy new (financial) year!

Many Australians wait too long to convert their super into a tax-free income stream — missing out on thousands in extra returns. This month’s complimentary guide explains when and how to start a pension, and why it could be one of the most valuable decisions you make in retirement.

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.

Bring-forward rule explained: How to make large super contributions
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know about the rules. Read more.
Bring-forward rule explained: How to make large super contributions
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know about the rules. Read more.

Welcome to our taster newsletter for July. 

Happy new (financial) year!

When an SMSF member enters retirement phase, there are key steps to follow — from checking your trust deed and valuing assets, to setting drawdowns and meeting reporting obligations. This month’s complimentary guide walks you through the process.

Become a SuperGuide member for step-by-step guidance, templates, and expert support to help you start your pension with confidence. SuperGuide is also fully up-to-date with the latest financial year rule changes applying from 1 July.

Common financial mistakes SMSF trustees make just before retirement
There’s a lot to think about when you’re on the threshold of retirement, so it’s not surprising that mistakes are made and opportunities overlooked. Here’s what to watch out for. Read more.
Common financial mistakes SMSF trustees make just before retirement
There’s a lot to think about when you’re on the threshold of retirement, so it’s not surprising that mistakes are made and opportunities overlooked. Here’s what to watch out for. Read more.

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Q: When in retirement pension phase (that is 67) do I have to compulsory withdraw from super if I am still working? I am planning to work till 70 then retire and use the accumulated super. My super is currently at 150k mark and I am currently 60 yrs old.

A: Superannuation has two phases, the accumulation phase and the retirement phase. An accumulation phase account can accept contributions and investment earnings are taxed at the rate of 15%. No withdrawals are required from an accumulation account, no matter the age or work status of its owner. Your super starts in accumulation phase and remains there unless and until you choose to open a retire ment phase account.

A retirement phase account cannot accept contributions, must pay a regular pension/income stream, and investment earnings are tax-free. A retirement phase account can be opened once you have met a retirement condition of release such as leaving a job after age 60 or turning 65.

PIt is not compulsory to make withdrawals from super unless you convert your super into the retirement phase by actively starting an income stream/pension account.

You can leave money in the accumulation phase indefinitely, and make no withdrawals, if you wish.

However, many people choose to open a retirement phase account as soon as possible to take advantage of tax-free investment returns. While withdrawals are required, it is often possible to use any withdrawn amount that is not required for spending to re-contribute to a superannuation accumulation account while you are aged less than 75.

Any person who is still working needs to maintain at least a small balance in an accumulation phase account for their employer’s contributions, and their own personal contributions if applicable, to be added to. A separate retirement phase account can be opened if desired when a retirment condition of release is met.

You can learn more with our article and video on converting super to retirement income.

You may also wish to consider a transition to retirement pension. Our article and webinar are informative.

Looking to reduce your tax bill and put your savings to work for retirement? Find out how a tax deductible super contribution can help.

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.