How to take advantage of the increased Transfer Balance Cap
An increased Transfer Balance Cap creates opportunities to transfer more into the tax-free retirement phase and contribute more to super but beware the fine print!
Case studies
Set out below are the latest guides that relate to case studies.
Case study: When can I afford to retire?
It’s a common question, and in this case study we follow one couple as they calculate the financial impact of retiring early or delaying by a few years.
My retirement planning diary (Part 2): My super fund-amentals
After deciding I would retire this year, volatile global markets have forced me to review my plans. In part 2 of this series, I review my super investments and my approach to risk.
Salary sacrifice and super: How does it work?
By directing some of your pre-tax income to super, you not only boost your retirement savings but save tax at the same time.
My retirement planning diary (Part 1): Donald you shrunk my retirement!
After deciding I would retire this year, the current market turmoil has put a Trump-sized hole in my plans. If you’re in the same boat, come along for the ride as I review my situation over the coming months.
What’s the Carer Allowance and am I eligible?
If you’re retired and caring for an ill or frail partner or family member, the government’s Carer Allowance can provide some useful extra income.
SMSF property investment rules
One of the attractions of having an SMSF is the ability to invest in real property, but strict rules apply.
What are unit pricing and crediting rates and why do they matter?
Ever wondered how your super fluctuates over time? Understanding unit prices and crediting rates is the key to unlocking how your fund calculates returns.
Should retirees use their super to become debt free?
There are pros and cons to using some of your super to repay your mortgage when you retire. This is what you need to consider.
How sequencing risk affects your retirement
Sequencing risk can ruin even the most carefully planned retirement. Losses and low returns just as you move into retirement mean you will have much less to spend.
Retiring early due to ill health? 6 steps to stay on track
Retiring early due to poor health can really have an impact on your retirement plans and finances, so here’s 7 tips on what to consider.
Case study: Recontribution of death benefits?
If your partner dies and you would like to combine your pension with their death benefits, this strategy could provide the way.
How to make the most of your super contributions
Choosing the optimal mix of before and after-tax super contributions can make a big difference to your retirement outcome. We show you how to work out the best solution for you.
How the government co-contribution scheme works (including calculator)
A free co-contribution payment made by the government into your super account can be a great way to boost your super account if you have some money to spare.
TBAR: Transfer balance account reporting for SMSFs
Understanding the transfer balance account rules, including timing and transaction reporting, is extremely important for SMSF trustees..
Recontribution strategy case study: How super tax components impact estate planning
Learn how to reduce or even eliminate the tax your adult children or other non-dependents pay when they receive your super death benefits.
What you need to know about investing an inheritance into super
Learn how investing a sudden financial gain in super can pay off, with detailed case studies and a look at important restrictions.
How much can I afford to spend in retirement?
Retirees often live more frugally than necessary due to fears their money will run out, but this simple rule of thumb could help many retirees spend and enjoy life more.
