Retirement Planning
SUPER SPLITTING
GROW YOUR WEALTH TOGETHER Introduction: Why Super Splitting Matters for Australian Families When it comes to preparing for retirement, many Australians focus on growing their superannuation individually. But what if there was a way for couples to work together, sharing their super contributions to build a stronger financial future? This is where superannuation contribution splitting—commonly…
Read MoreFROM BOOMERS TO MILLENNIALS
RETHINKING WEALTH, HOUSING, AND OPPORTUNITY IN AUSTRALIA Introduction: The Changing Landscape of Australian Wealth Australia’s story has long been one of progress, prosperity, and the promise that each generation will enjoy a better life than the last. For decades, this narrative held true: baby boomers and their parents benefited from robust economic growth, affordable housing,…
Read MoreSpouse Contributions: Looking for ways to boost your super?
My spouse and I are looking at ways to boost our super. How do spouse contributions and the associated tax offset work? Spouse contributions can be a great way to build your partner’s superannuation and potentially benefit from a tax offset. If your spouse earns less than $37,000 a year, you may be eligible for…
Read MoreThe Art and Science of Fund Manager Selection
Balancing Philosophy, Performance and Investor Resilience Introduction: The Importance of Choosing the Right Fund Manager For Australian investors, selecting a fund manager is one of the most consequential decisions in the journey toward financial security. The right manager can help navigate volatile markets, safeguard capital, and deliver consistent returns, while the wrong choice can erode…
Read MoreSmart Super Strategies for this EOFY
With June 30 fast approaching, it’s time to start thinking about your super for another year. We’ve put together five smart strategies that may benefit you now, and help boost your super. Strategy This may be right if you……. How to use this strategy The benefits may include 1. Add to your super and get…
Read MoreSuperannuation Beneficiaries
Can I nominate my siblings to receive my superannuation when I die? can only nominate your siblings in a binding death benefit nomination if they meet the definition of a depen- dent under superannuation law at the time of your death. This means they would need to be financially dependent on you, in an interdependent…
Read MoreHome Equity Access Scheme (HEAS)
My friend mentioned they’re using the Home Equity Access Scheme (HEAS) to help fund their retirement. What is it, and how much can I get from it? The Home Equity Access Scheme (HEAS) is a government initiative that allows eligible older Australians to supple- ment their retirement income by unlocking equity in their home or…
Read MoreNavigating Financial Risks and Retirement
Introduction: The Changing Perception of Life Expectancy Life expectancy is one of the most widely misunderstood concepts in retirement planning. It is often quoted as a single number—a statistical average—but this simplification obscures the complexity of individual survival probabilities. For retirees, this misunderstanding can lead to miscalcu- lations about how long their savings need to…
Read MoreStrategies for a Secure Retirement In Australia
Introduction Retirement is a milestone that many Australians look forward to—a time to relax, pursue passions, and enjoy the fruits of decades of hard work. Yet, for Generation X (those born between 1965 and 1980), the path to a secure retire- ment is less certain than it was for their parents. Economic shifts, evolving superannuation…
Read MoreCan you add to a retirement pension?
“I’ve heard that once I start drawing my pension, I can’t add further funds to it. Is this true?” It’s a common misconception that you can’t boost your income stream after you start receiving a pension. While pension accounts don’t directly accept additional contri- butions, there are strategies to “refresh” your pension. For example, you…
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