Converting super into retirement income: What are your options?
Choosing the best combination of retirement income sources for your circumstance can make a big difference to your overall retirement income.
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Why it can pay to put as much as possible into super
If your super balance is underwhelming, even small personal contributions can supercharge your retirement savings once compound interest and tax do the heavy lifting.
Age Pension calculator (September 2024 update)
Our Age Pension calculator gives you an estimate of your potential Age Pension entitlements based on your situation, assets and income.
Age Pension income test rules (from September 2024)
A common question for those nearing or in retirement is “How much can a pensioner earn before it affects the pension?”.
Age Pension assets test rules (from September 2024)
This article details the rules and limits 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 Age Pension you could be eligible for.
Commonwealth Seniors Health Card: Eligibility and how to apply
Updated with September 2024 thresholds. A government concession card to get cheaper healthcare can make a big difference to your retirement budget – and you don’t need to be on the Age Pension to qualify.
Age Pension rates (September 2024 to March 2025)
Age Pension rates increase on 20 September 2024. This article also explains how the Age Pension works, and includes the latest Age Pension rates for residents, non-residents, and the transitional Age Pension.
An insight into SMSF trust deeds
Garth McNally provides a detailed video explainer on the most important considerations around trust deeds, so you can have more trust in your trust deed, including what to consider with trust deed updates and some tips that could save you hundreds of dollars.
Balanced, Growth, Defensive: What’s in a name?
If you are confused about the meaning of super investment option labels like Balanced, Growth and Defensive you’re not alone. Even the funds can’t agree.
What happens if I don’t pay the minimum pension from my SMSF?
Adverse tax and compliance outcomes can occur if you fail to take your minimum pension payment each year. Don’t get caught due to poor SMSF administration.
SMSF pension strategy: Lump sum payments
With restrictions on the amount you can use to start a pension, understanding how you can then access these funds has become an even more important issue.
Transition to retirement Q&As: Part 2
How TTR pensions work, additional contributions, trust deed requirements, TTRs and tax.
How to record SMSF minutes
Recording minutes of your SMSF decisions and resolutions is not only a good habit to get into, it’s a legal requirement. Here’s how it’s done.
The big picture: Focus on super’s long-term returns
They say a picture is worth a thousand words, so we’ve created a visual representation of super’s value in the long run.
Australian independent financial advisers: National list
Less than 1% of Australian financial advisers are independent, but we’ve tracked down more than 100 independent financial that operate across Australia.
Q&A: How do I ensure a lump sum is taken from the right pension account?
Q: Myself and my husband both 72 have an SMSF. We both have 3 individual pension accounts in our fund. I have paid out the required minimum amounts for this year as per our accountants’ instructions.
Super fund performance: Monthly returns to July 2024
Super funds surfed a wave of positive sentiment into the new financial year, with the median Growth fund up 2% in July.
Super fund performance reckoner: Monthly returns for 5 investment categories
In our reckoner below you can view the median monthly investment returns for 5 superannuation investment options going back to January 2016.
