Coronavirus and super, Age Pension rates, Preparing for retirement, Constructing a Portfolio in Retirement, Longevity
Highlights of the March 2020 edition of the SuperGuide Premium newsletter include:
- CORONAVIRUS AND SUPER: Markets have plunged recently as the world gets to grips with the Coronavirus, and many Australians are concerned about how their super and retirement will be affected. In a series of articles we go beyond the headlines to help you think about how it may impact your super balance and planning in retirement.
- NEW AGE PENSION RATES: Age Pension rates rise from March 20th, as do the thresholds for the assets and income tests. The government has also announced reductions to the deeming rates to reflect the recent drop in interest rates.
- PREPARING FOR RETIREMENT: We asked 16 independent financial advisers to give their tips for preparing for retirement. Watch the video for some pointers on what to consider.
- CREATING A PORTFOLIO IN RETIREMENT: Barbara Drury provides some helpful tips on how to approach building a retirement portfolio. In a separate article we analyse exclusive data on how SMSF retirees invest.
- LIFE EXPECTANCY AND LONGEVITY: While life expectancy looks at the quantity, longevity is all about the quality. David Williams talks us through the limitations of the current life expectancy tools and tells us what the key factors in longevity are. In a separate article Joanna Webber shares with us some secrets to living longer.
- CORONAVIRUS QUESTIONS: The impact of the Coronavirus has created a great deal of uncertainty, caused widespread disruption around the world, heavy sharemarket falls, and is a very dynamic situation. If you are concerned about how this impacts you personally, we encourage you to get financial advice. We will also be adapting our coverage to try to answer the big questions you may have about the impact of the Coronavirus to your retirement planning. If you would like to send us a question please do so. Please note that we can only consider questions that are general in nature. We also cannot answer questions individually, but we will do our best to publish as many Q&As as possible.
CORONAVIRUS AND SUPER
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Super fund performance: Monthly returns to March 2026
After taking a tumble in March on escalating conflict in the Middle East, super funds have rebounded strongly in April, recouping most of their losses.
AGE PENSION
Age Pension rates (March 2026 to September 2026)
Age Pension rates are rising again. Check the latest rates for singles, couples and transitional pensions and learn what you may be entitled to.
Age Pension assets test rules (from March 2026)
This article details the rules and limits of the Age Pension assets test (how much your savings and other assets are worth), which is one half of the means test (along with the income test) that determines how much Age Pension you could be eligible for.
Age Pension income test rules (from March 2026)
A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”.
Deeming rates and calculator for the Age Pension income test
The days of ultra low deeming rates are over as they increase for the second year this financial year.
Age Pension calculator (March 2026 update)
Our Age Pension calculator gives you an estimate of your potential Age Pension entitlements based on your situation, assets and income.
How your super affects your Age Pension entitlements
The amount of Age Pension you are eligible to receive in retirement is means tested, with super among the assets included. This is how it’s assessed.
SUPERANNUATION
Super news for March 2020
Pensioners, veterans, other income support recipients and concession card holders will receive a one-off payment of $750 as part of the Government’s $17.6 billion plan to prevent the economy sliding into recession following the coronavirus pandemic.
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SMSFs
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What laws do SMSFs need to adhere to?
Even if you outsource many of your fund’s administrative tasks, SMSF trustees still need to stay on top of super laws to avoid potentially large fines.
Exempt current pension income (ECPI) explained for SMSFs
Understanding the rules around ECPI can help reduce tax and save costs when fund members move into retirement phase.
Asset valuation guidelines for SMSFs
There’s no getting around regular asset valuations for your SMSF, and it needs to be done by the book.
RETIREMENT PLANNING
Financial advisers give tips on preparing for retirement
Preparing for retirement can be daunting for many Australians. In this video members of the Profession of Independent Financial Advisers help you understand the important things to consider.
The taper trap: Super and the Age Pension assets test
A quirk of our retirement income system can leave retirees with middling a super balance worse off than a full Age Pensioner. But there are ways to increase Pension entitlements
What is the value of financial advice when it comes to your retirement?
It’s easy to put off getting financial advice when your focus is on paying the monthly bills, but delaying or not getting advice can have huge financial and personal costs down the track.
What is an investment-linked annuity?
It’s been a long time coming, but super funds are beginning to offer more flexible pension products offering income for life.
IN RETIREMENT
How to create an investment portfolio in retirement
Structuring an investment portfolio designed to support you throughout retirement is a different challenge to the strategies you used to build wealth during your working life.
Worried about your retirement savings? 9 steps that can help
Worrying about whether your retirement savings will be enough is normal, but there are some easy steps you can take to ensure you’re as prepared as you can be for retirement.
What is the cost of living in retirement in Australia?
One of the challenges of retirement planning is working out how much income you will need to live the good life. Here are some tips to get you started.
Secrets to living longer
We’re starting families later, retiring later and living longer than ever before. But what do older Australians think living longer might look like?
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.
