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Until 1 July 2022, if you were aged 67 to 74 and wanted to make voluntary super contribution, you had to meet a work test or get a work test exemption. Under the new rules, individuals under 75 years of age can make or receive personal and salary sacrifice contributions without meeting a work test...Read More
Your 7-point retirement planning checklist
October 24, 2022Retirement Planning
You might feel emotionally ready to retire but you’ll want to make sure you’re financially ready too. Here are some of the big points to consider. Socialising with mates, enjoying leisurely activities and indulging in the odd trip away are all things that have likely crossed your mind when thinking about how you’ll spend retirement....Read More
A retirement plan built to last
October 17, 2022Retirement Planning
Staying the course, and not being distracted by short-term market events, is just as important in retirement as it is at any other time. Retiring from work shouldn’t necessarily equate to retiring from managing your investment portfolio. In fact, taking an active role in your investments during retirement will ensure you have the best chance...Read More
How to save for retirement in your 40s
October 4, 2022Retirement Planning
Retirement can start to feel closer when you’re in your 40s. Fortunately, there’s still plenty of time to make decisions that could have a positive impact on your future financial wellbeing. Key points: On average, couples need nearly $65,000 a year to live comfortably in retirement1 Thanks to the pandemic, many of us spend some...Read More
How much money do I need to retire?
September 12, 2022Retirement Planning
When I retire, will I have enough money to enjoy the retirement lifestyle I envision? It's a question many of us will need to ponder at one point. It’s a question most of us will need to ponder at some stage in our lives. When I retire, will I have enough money built up in...Read More
Your next life stage requires careful planning. Here are eight key things you should consider before entering retirement. Retirement is a period of life that many people spend years dreaming about: the chance to finally leave work behind and enjoy much-needed time with family and friends. While it’s natural to be excited about retirement, it’s...Read More
7 age pension traps to avoid
June 14, 2022Retirement Planning
Make sure you don’t lose out on your age pension entitlements. After a lifetime of hard work, it’s important you maximise your entitlements in retirement. So you need to structure your finances carefully to make sure you don’t lose your age pension. After all, you’ve earned it. Here are some common traps to be aware...Read More
Do you dream of retiring in the country? Do you feel it’s time to leave the rat race behind and get among the fresh air, great outdoors and tight-knit community country towns are renowned for? Many retirees decide to move to country areas so they can enjoy a slower pace of life during their golden...Read More
We look at how much money you might need each year and ways you can still budget for your social life. Australian retirees generally need a certain budget each year to live a modest or comfortable lifestyle, and industry figures recently revealed the highest annual increase in those budgets since 20101. The Association of Superannuation...Read More
Risking your retirement
April 19, 2022Retirement Planning
If you're already retired or on your way to retiring, have you been obsessively checking your portfolio balance and dreading the next piece of news that might cause it to dip further? Or have you been keeping up with the news as you usually do, but confident that your portfolio will largely weather the volatility...Read More