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In retirement

A Super Guide

Retirement is meant to be a reward for hard work, a time to kick back and do a bit of what you fancy. It’s all that, but it is also a time when many decisions and choices need to be made.

SuperGuide’s retirement articles cover everything from taking your super as a lump sum or an income stream (also called a super pension) to what happens to your super when you die. We even have a handy calculator to help you estimate how long you can expect to live.

Along the way, we also examine working in retirement, a guide to the Age Pension eligibility and payment rates and eligibility for concession cards for seniors and pensioners.

And if the very thought of all these decisions makes your head spin, we have a guide to seeking independent financial advice.

Set out below are key SuperGuide links explaining important super and retirement rules you need to think about before, and In retirement:

  • Retirement Calculators and Reckoners
  • Retirement phase (formerly called Pension phase)
  • Obtaining financial advice
  • Taking a super lump sum
  • Taking a super pension
  • Age Pension rules
  • Commonwealth Seniors Health Card
  • Working in retirement
  • Life expectancy and super
  • Superannuation death benefits

Set out below are all SuperGuide articles that relate to In retirement.

How much can I afford to spend in retirement?

November 20, 2019 by Barbara Drury 1 Comment

How much can I afford to spend in retirement? - withdraw 1052750 c 100x75

One of the biggest challenges for retirees is working out how much of their savings they can afford to spend each year. Fear of running out of money and a reluctance to seek financial advice means many people withdraw the minimum amount required from their superannuation account-based pension. But what if there was a ... Read more

Reverse mortgages: What are they and how do they work?

November 20, 2019 by Janine Mace Leave a Comment

Reverse mortgages: What are they and how do they work? - Reverse mortgage 154024040 c 100x75

If your super account is not as big as you want when you retire, one solution could be to look to your home as a way to generate some extra money – and that doesn’t mean becoming an AirBnB host. One way to unlocking some of the money you have tied up in your home to pay your retirement expenses is to take out a reverse ... Read more

Definitive guide to the $1.6 million transfer balance cap

November 19, 2019 by Penny Pryor 1 Comment

Definitive guide to the $1.6 million transfer balance cap - Statement 12607353 c 100x75

One of the most significant changes to superannuation – the introduction of the $1.6 million transfer balance cap – became effective on 1 July 2017. The Australian Taxation Office (ATO) estimates the changes will impact only 1% of Australian superannuants, however that 1% needs to be clearly across the Treasury ... Read more

Commonwealth Seniors Health Card: What it is and how to apply

October 15, 2019 by Janine Mace Leave a Comment

Commonwealth Seniors Health Card: What it is and how to apply - Seniors 18128235 c 100x75

If you don’t qualify for a government payment when you retire, it can seem like there isn’t much help available when it comes to your living expenses. But many people overlook just what the Commonwealth Seniors Health Card (CSHC) can provide. If you’re eligible, this concession card gives you access to cheaper health ... Read more

Should I retire overseas?

October 3, 2019 by Joanna Webber Leave a Comment

Should I retire overseas? - 3531284743 0aab9fdc7b z 100x75

Alan and Ros Cuthbertson are living their dream. The Queensland couple, both in their 60s, spend half the year in Thailand, and the other six months housesitting throughout Asia and Europe. Their website, Frequent Traveller, is full of advice on planning the perfect holiday with tips on how to make your travel dollars ... Read more

How to check if your mum or dad’s nursing home is up to scratch

October 1, 2019 by The Conversation Leave a Comment

How to check if your mum or dad's nursing home is up to scratch - Superguide 15 2 100x75

If you’ve read the headlines about poor standards in Australia’s nursing homes, it’s only natural to be concerned about your own family or friends in residential aged care. For instance, there was news in recent weeks that 45 of 72 Bupa nursing homes in Australia had failed to meet all health and safety standards, with ... Read more

Super scams: What are they and how do you avoid them?

October 1, 2019 by Penny Pryor Leave a Comment

Super scams: What are they and how do you avoid them? - Wolf 2237382 c 100x75

As technology advances, so too do the ways and means by which scammers can extract money from people. Superannuation, self-managed superannuation funds (SMSFs) and individuals’ investment funds are increasingly being targeted by scammers due to the sheer size of the funds available, and advancements in technology which ... Read more

What to do if the market tanks and you’re retired, or close to it

September 18, 2019 by Barbara Drury Leave a Comment

What to do if the market tanks and you’re retired, or close to it - Retirement 1911786 c 100x75

These are challenging times for investors, especially if you’re about to retire or already drawing on your super. After 10 years of positive returns from super and 28 years without a recession in Australia, the risk of a market correction or a more prolonged downturn are building. Geopolitical and economic risks are ... Read more

Australian Age Pension rates (September 2019 to March 2020)

September 16, 2019 by SuperGuide 24 Comments

Australian Age Pension rates (September 2019 to March 2020) - Pensions 4354570 c 100x75

The rates for a full Age Pension for Australian residents for the period 20 September 2019 to 19 March 2020 are listed below: Single: $933.40 per fortnight (approximately $24,268 per year) - an increase of $7.20 per fortnight Couple (each): $703.50 per fortnight (approximately $18,291 per year) - an increase of $5.40 ... Read more

Age Pension calculator: How much could you be eligible for?

September 16, 2019 by SuperGuide 3 Comments

Age Pension calculator: How much could you be eligible for? - Age pension calculator 122280824 c 100x75

Welcome to the SuperGuide Age Pension calculator. Using the calculator is easy. Enter your details in the calculator below (in the yellow blocks) and you will see an estimate of amount of Age Pension you may be eligible for. You can skip any question that doesn't apply to you. Help information is available on ... Read more

Am I eligible for the Australian Age Pension?

September 16, 2019 by SuperGuide Leave a Comment

Am I eligible for the Australian Age Pension? - Pension 39782839 c 100x75

Your eligibility for the Australian Age Pension depends upon your age, residency and whether you pass what is known as the “means test”. The Age Pension is one of the ‘three pillars of retirement income’ in Australia – along with superannuation and private savings. It plays a critical role in retirement income for ... Read more

Age Pension income test rules (September 2019 to March 2020)

September 16, 2019 by SuperGuide Leave a Comment

Age Pension income test rules (September 2019 to March 2020) - Age Pension Income Test 11167720 c 100x75

A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”. This article details the rules of the Age Pension income test (how much you earn) which is a half of the means test (along with the assets test) that determines how much Age Pension you could be ... Read more

Age Pension assets test rules (September 2019 to March 2020)

September 16, 2019 by SuperGuide Leave a Comment

Age Pension assets test rules (September 2019 to March 2020) - Age Pension Assets Test 2883150 c 100x75

A common question for those nearing or in retirement is “How much money can I have before it affects my pension?”. This article details the rules 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 ... Read more

5 ways sequencing risk affects your retirement

September 1, 2019 by Janine Mace Leave a Comment

Sequencing risk

Everyone knows about Murphy’s Law, but the old adage that ‘anything that can go wrong, will go wrong’ is really important when it comes to your retirement plans. Among financial nerds, this concept is known as sequencing risk. And it has the potential to wreak havoc on your retirement plans. So, what is sequencing ... Read more

Taking your super early due to ill health? 7 tips to help

August 13, 2019 by Janine Mace Leave a Comment

Taking your super early due to ill health? 7 tips to help - Superguide 1 1 100x75

Nobody expects to become sick. Even fewer of us think declining health will see us leaving employment earlier than we want, but in fact it’s quite common. In 2016-17, personal health or physical ability was the main reason 21% of older workers decided to retire, according to Australian Bureau of Statistics ... Read more

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Total superannuation balance and super contributions
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Franked dividends (franking credits)
Contributions tax
How super is taxed
Division 293 tax
Low Income Superannuation Tax Offset (LISTO)
Excess contributions tax
Investment income tax (earnings tax)
How super is taxed
Capital gains tax and super
Franked dividends (franking credits)
Superannuation contributions tax
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How super is taxed
Transfer balance cap
Minimum pension payment rules
Superannuation benefit payments tax
SMSF pensions
Transition-to-retirement pensions
Superannuation benefit payments tax
Superannuation death benefits
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SMSFs for beginners
What is an SMSF?
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Is an SMSF right for you?
Enough super for an SMSF?
What type of people have SMSFs?
Setting up an SMSF
SMSF trustee declaration
Quiz: SMSFs for beginners
SMSF costs
What are typical SMSF fees?
Enough super for SMSF costs?
DIY (low-cost) SMSFs
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SMSF penalties
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SMSF asset allocation
Super investment strategies
Types of super investments
Asset Sector Performance Reckoner
SMSF investment rules
Franked dividends
SMSF borrowing rules
SMSF pensions
Retirement phase (formerly pension phase)
Types of super benefits
Starting an SMSF pension
Minimum super pension payments
Transition-to-retirement pensions
$1.6 million transfer balance cap
Actuarial certificates
SMSF borrowing
SMSF Q & As
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Planning for retirement: A Super Guide
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How to plan for your retirement
When should you retire?
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What is retirement phase?
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What age can I retire?
Age-based Super Guide
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$1.6 million transfer balance cap
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In retirement
In retirement: A Super Guide
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Income from super Reckoner
Super to income Reckoner
Retirement age Reckoner
Age Pension calculator
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Retirement phase (formerly called Pension phase)
How super is taxed
Types of super benefits
Transfer balance cap
Minimum pension payments rules
Franked dividends
Superannuation benefit payments tax
SMSF pensions
Transition-to-retirement pensions
Obtaining financial advice
Taking a super lump sum
Taking a super pension
Retirement phase
Types of super pensions
SMSF pensions
Transfer balance cap
Minimum super pension payments
Transition-to-retirement pensions
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Annuities
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How is the Age Pension assessed?
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Age Pension deeming rules
Commonwealth Seniors Health Card
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  • How super works
    • How super works: A Super Guide
    • Latest super and retirement changes
      • Superannuation news
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      • Latest Age Pension changes
      • Federal Budget and superannuation
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      • Comparing super funds in 7 steps
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      • Catch-up concessional contributions
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      • Bring-forward rule
      • Total superannuation balance and super contributions
    • Superannuation Guarantee (SG)
      • Simple guide to SG
      • SG for employers
      • Non-payment of SG
      • Salary sacrificing and SG
      • Tax-deductible super contributions and SG
    • Salary sacrifice and super
    • Tax-deductible super contributions
    • Spouse contributions
    • Total superannuation balance
    • Contributions tax
    • Excess contributions
  • Super fund performance
    • Super fund performance: A Super Guide
    • Superannuation investment for beginners
      • How super investing works
      • Benchmarking your super fund
      • What is your risk profile?
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    • Superannuation investment strategies
      • Choosing an investment option
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      • Types of super investments
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      • Franked dividends
      • Investing in retirement
      • Super and borrowing
    • Latest super fund performance
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      • What is your risk profile?
      • Benchmarking your super fund
      • Buy/sell spread costs
      • Responsible investing
      • Changing investment options
      • Retirement investment options
      • SMSF guide to hedging
      • SMSF investment
    • SMSF investment
    • Super fees and charges
      • Types of super fees
      • Super funds with the lowest fees
      • Buy/sell spread costs
      • SMSF costs
      • Super taxes
      • Insurance premiums
      • Consolidating super saves fees
    • Insurance and super
      • Insurance through your super fund
      • Cheapest life insurance and TPD
      • Cheapest income protection
      • SMSFs and insurance
  • Super and tax
    • Super and tax: A Super Guide
    • Super and tax for beginners
    • Australian income tax rates and thresholds
      • Australian income tax rates
      • Low and Middle Income Tax Offset (LMITO)
      • Low Income Tax Offset (LITO)
      • Senior Australians & Pensioners Tax Offset (SAPTO)
      • Super rates and thresholds
      • Super tax rates for under-60s
      • Super tax rates for over-60s
      • Franked dividends (franking credits)
    • Contributions tax
      • How super is taxed
      • Division 293 tax
      • Low Income Superannuation Tax Offset (LISTO)
      • Excess contributions tax
    • Investment income tax (earnings tax)
      • How super is taxed
      • Capital gains tax and super
      • Franked dividends (franking credits)
      • Superannuation contributions tax
    • Retirement phase
      • How super is taxed
      • Transfer balance cap
      • Minimum pension payment rules
      • Superannuation benefit payments tax
      • SMSF pensions
      • Transition-to-retirement pensions
    • Superannuation benefit payments tax
    • Superannuation death benefits
  • SMSFs
    • SMSFs: A Super Guide
    • SMSFs for beginners
      • What is an SMSF?
      • Types of super funds
      • Is an SMSF right for you?
      • Enough super for an SMSF?
      • What type of people have SMSFs?
      • Setting up an SMSF
      • SMSF trustee declaration
      • Quiz: SMSFs for beginners
    • SMSF costs
      • What are typical SMSF fees?
      • Enough super for SMSF costs?
      • DIY (low-cost) SMSFs
      • SMSF ATO supervisory levy
      • SMSF audit fees
      • SMSF investment
      • Obtaining financial advice
      • SMSF penalties
    • SMSF administration and compliance
      • SMSF administration
      • SMSF compliance
      • DIY (low-cost) SMSFs
      • SMSF providers
      • Setting up an SMSF
      • SMSF reporting and record-keeping
      • SMSFs and accountants
      • SMSF audits
      • SMSF administrative penalties
    • SMSF investment
      • Creating an SMSF investment strategy (including samples)
      • SMSF asset allocation
      • Super investment strategies
      • Types of super investments
      • Asset Sector Performance Reckoner
      • SMSF investment rules
      • Franked dividends
      • SMSF borrowing rules
    • SMSF pensions
      • Retirement phase (formerly pension phase)
      • Types of super benefits
      • Starting an SMSF pension
      • Minimum super pension payments
      • Transition-to-retirement pensions
      • $1.6 million transfer balance cap
      • Actuarial certificates
    • SMSF borrowing
    • SMSF Q & As
  • Planning for retirement
    • Planning for retirement: A Super Guide
    • Retirement planning for beginners
      • How to plan for your retirement
      • When should you retire?
      • How long will you live?
      • How much super will you need?
      • What is retirement phase?
      • Is $1 million enough?
      • Retirement Calculators and Reckoners
    • What age can I retire?
    • Age-based Super Guide
    • How long will I live?
    • How much super is enough?
      • How much super do I need to retire?
      • Retiring on $60,000 a year
      • Retiring on $80,000 a year
      • Retiring on $100,000 a year
      • $1 million retirement
      • $1.6 million retirement
      • Retirement Calculators and Reckoners
    • $1.6 million transfer balance cap
    • Types of super benefits
      • Taking a lump sum
      • Taking a super pension
      • SMSF pensions
      • Superannuation benefit payments tax
    • Age Pension
    • Obtaining financial advice
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      • Annual Minimum Pension Payment Calculator
      • Income from super Reckoner
      • Super to Income Reckoner
      • Retirement age calculator
      • Super fees and returns calculator
  • Accessing super
    • Accessing super: A Super Guide
    • When can I access my super?
    • Definition of retirement
    • Reaching preservation age
    • Turning 65 and super
    • Types of super benefits
      • Taking a super lump sum
      • Taking a super pension
      • SMSF pensions
      • Superannuation benefit payments tax
    • Accessing super early
      • All conditions of release explained
      • Preservation age
      • Severe financial hardship
      • Compassionate grounds
      • Terminal illness
      • Permanent incapacity
      • Claiming insurance from super
      • Death
    • Divorce and super
    • Insurance and super
    • Temporary resident departing Australia
  • In retirement
    • In retirement: A Super Guide
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      • Income from super Reckoner
      • Super to income Reckoner
      • Retirement age Reckoner
      • Age Pension calculator
      • Annual Minimum Pension Payment Calculator
    • Retirement phase (formerly called Pension phase)
      • How super is taxed
      • Types of super benefits
      • Transfer balance cap
      • Minimum pension payments rules
      • Franked dividends
      • Superannuation benefit payments tax
      • SMSF pensions
      • Transition-to-retirement pensions
    • Obtaining financial advice
    • Taking a super lump sum
    • Taking a super pension
      • Retirement phase
      • Types of super pensions
      • SMSF pensions
      • Transfer balance cap
      • Minimum super pension payments
      • Transition-to-retirement pensions
      • Defined benefit funds
      • Annuities
    • Age Pension rules
      • Latest Age Pension rates
      • Am I eligible for the Age Pension?
      • Age Pension age
      • How is the Age Pension assessed?
      • How do I apply for the Age Pension?
      • Age Pension assets test
      • Age Pension income test
      • Age Pension deeming rules
    • Commonwealth Seniors Health Card
    • Working in retirement
      • Turning 65 and super
      • Over-65s work test
      • Transition-to-retirement pensions
      • Age-based Super Guide
      • Age pension age
    • Life expectancy and super
    • Aged care
    • Estate planning
    • Superannuation death benefits
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