retirement planning strategies
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What strategies can I consider to reduce tax on a super pension paid from my SMSF?
When and how you withdraw income from your super in retirement can have significant tax benefits.
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Am I eligible for the Age Pension?
A common question for Australians planning their retirement is if, and when, they will be eligible for the Age Pension.
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Mind over matter: The psychology of retirement planning
Understanding how common behaviours and cognitive biases can short-change your retirement is the first step to taking control of your financial future.
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Women and super (Part 2): Strategies to boost your super in the lead up to retirement
Whether you are single or in a couple, when retirement beckons there are many ways to top up your super and maybe even reduce your tax bill at the same time.
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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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Case study: Self-employed single seeking a comfortable and secure retirement income for life
Watch to see how free tools empower Justine to get her retirement savings on track and reduce her tax bill.
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Tips to boost your super in retirement
Leaving work doesn’t mean the end of opportunities to add to your super in your 60s and beyond.
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Tips to boost your super when retirement is approaching
As retirement nears, setting your super on the right path is more important than ever.
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How long you can expect to live and what it means for your super
While none of us knows exactly how long we will live, you can narrow the possibilities with these life expectancy projections based on Australian numbers.
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How to measure the financial impact of delaying retirement
If you are weighing up whether you can afford to retire sooner rather than later, it’s worth calculating some different scenarios before you pull the plug on your working life. We show you how.
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Case study: Should a wealth retiree start a super pension or draw on non-super investments first?
Retirees with substantial investments both in and out of super often wonder whether they should start a super pension or draw income from investments outside super first. We look at the pros and cons of both options.
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Where to find retirement income in addition to super
If you are planning your retirement income and worried you don’t have enough super, don’t forget to factor in other potential sources of income. You may be pleasantly surprised.
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Q&A: I’m 63. Can I start a transition-to-retirement pension if I quit one of my jobs?
Q: I am currently 63 and I work 4 days a week as a receptionist in a doctor’s surgery. I also work 2 days a week in the local chemist. Can I commence a TTR once I cease my role at the chemist shop?
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How to afford a ‘comfortable’ retirement with less super
New lifetime income products mean you may not need $595,000 to retire comfortably, or $690,000 for couples, as the ASFA Retirement Standard suggests.
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Case study: Later-life divorcee using a transition to retirement strategy to rebuild super savings
This is a fascinating case study of a 60 year-old divorcee boosting a modest super balance through a transition-to-retirement strategy, carry-forward contributions and part-time work in retirement.
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Transition to retirement Q&As
There’s growing awareness that TTR pensions can be used to achieve a variety of tax and other outcomes. Here we answer some recent questions from our readers.
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Case study: Mid-life average income couple dreaming of a travel-filled retirement
Today, we’ll check out the retirement planning journey of Tony and Anna. They haven’t focused on their superannuation in the past and they’re starting to wonder if they’re going to be able to reach their retirement goals.
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What to consider if you’re forced to retire early
Being forced into retirement earlier than planned is surprisingly common. Although it may upend your retirement plans, there are steps you can take to avoid it becoming a disaster.
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