how the home affects retirement
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Downsizer super contributions: Rules and eligibility
Eligible downsizer contributions can be a great way to boost your super without falling foul of many of the rules affecting other super contributions.
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A retiree’s dilemma: Pay off the mortgage or preserve super?
If you retire with a mortgage, choosing whether to clear it with your super or continue making payments can have significant impact on your retirement income and security.
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How much super do I need if I don’t own a home?
As most retirement income estimates assume retirees own their home, you will need to make substantial adjustments to these estimates if you expect to be renting.
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Super or mortgage: Where should I put my extra savings?
It’s a common question with no simple answer; you will need to do your own sums. We show you how.
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Saving for retirement outside super
Super is undoubtedly the most tax effective vehicle for retirement savings, but there are plenty of reasons why you might hold investments outside super to augment your retirement income.
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What happens to my Age Pension if I sell my home?
Now updated with part 2 (if you are moving to a lifestyle village) and part 3 (if you are not purchasing a new home straight away).
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Location the missing ingredient in retirement planning
When you start planning your retirement, where you live can be just as important as your super balance and have an even bigger impact on your quality of life.
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How the First Home Super Saver (FHSS) scheme works
Let low taxes and a generous interest rate do the heavy lifting while you save for your first home in super. To encourage take-up of the scheme, changes have been made that simplify the process.
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Retiree reflections: Does your housing meet your retirement needs?
Housing affordability and supply is a major concern, especially for younger Australians, but many retirees are also grappling with the issue of where to live.
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How the Home Equity Access Scheme works (formerly Pension Loan Scheme)
The Home Equity Access Scheme can be a great way to boost your retirement income by taking a loan from the government against the equity in your home.
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Reverse mortgages: What are they and how do they work?
If you’re finding it difficult to make ends meet in retirement, one solution to free up some extra cash could be to take out a reverse mortgage.
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Reverse mortgage calculators: How-to guides
A reverse mortgage could allow you to unlock some of the equity in your home for retirement expenses. Our video demonstrations show how to use two free calculators to assess your options and make an informed choice.
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Your home: The foundation of retirement planning
The family home is much more than a roof over your head in retirement. It’s also a potential source of income and aged care funding.
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Age Pension Q&As: Minimum drawdowns and the Age Pension
Sheena Stow-Smith from PensionHelp answers reader questions about how minimum drawdowns impact Age Pension entitlements.
