SAPTO can help retirees reduce their tax bill but working out whether you are eligible and for how much is far from straightforward.
Set out below are all SuperGuide articles that relate to Superannuation Q and As.
What concession cards are available for seniors and pensioners?
A world of potential concessions and discounts opens up once you hit your 60s, even if you are not eligible for the Age Pension. We explain who gets what.
Retirement age calculator: When can you access your super or the Age Pension?
You may be able to retire whenever you choose in Australia, but age matters if you want to tap into your super or apply for the Age Pension.
What are unrestricted and restricted non-preserved super benefits?
If you have ever wondered why your super fund breaks down your balance into preserved and two types of non-preserved amounts, this explainer is for you.
What super contributions are best for me?
Growing your retirement savings needs the right mix of super contributions. Here’s some case studies to get you thinking about what’s right for you.
Total Superannuation Balance: When it applies and what is included
Recent increases to contribution caps also impact your total super balance. Here’s how it works.
When can I access my super? All conditions of release explained
To legally access your super in Australia you must satisfy a condition of release. Different conditions of release have different payment conditions and tax implications.
Salary sacrifice and super: How does it work?
Forgoing some of your salary into your super through a salary sacrifice arrangement can have valuable tax benefits and help boost your retirement nest egg.
What age can I access my super (Preservation Age)?
There are a series of hurdles you need to clear before you can access your super. The first is your age.
Retirement cost of living: How much does a comfortable lifestyle cost?
Knowing what and where you will spend will make retirement planning much easier, and help you avoid retirees’ biggest fear: outliving their savings.
What age should I retire?
The decision about when to retire is rarely made overnight. It’s a major life event and deserves careful thought and planning. Finances play a big part, but so do your health, your partner’s circumstances and whether you still enjoy your work or are itching to leave.
Selecting your super fund: Can I make the choice?
Uncertain about whether or not you can choose your own super fund? Check out our simple guide to the current fund choice rules.
What are the different types of super funds?
Whatever your circumstances, it’s important to canvass all your options before you make your final selection. It’s also worth remembering that your choice of fund is not a life sentence. If you are unhappy with your fund for whatever reason, you are free to switch funds provided you have choice.
What are average super fund fees?
An easy way to determine if you believe your super fund is good value, is to assess the cost of your super fund against the average costs for the different types of super funds available.
Can I access my super if I retire overseas?
Question: I’m an Australian citizen and want to retire in Italy when I’m 52. Can I access my super because I don’t plan on working again in Australia?
