Retirement

Market falls in retirement: understanding sequencing risk

See why the timing of investment losses matters when drawing an income and how spending, reserves and portfolio decisions can work together.

Turn annual living costs, irregular expenses and different income sources into a practical retirement payment schedule you can review.

Take a measured approach to an inheritance by confirming what you receive, protecting short-term needs and coordinating debt, investments and super.

Compare how different retirement income arrangements provide payments, access to capital and support for a surviving partner.

Understand the difference between tax on withdrawals, fund earnings and contributions, including why some super benefits have different treatment.

Compare the administration, cash-flow timing and contribution-cap checks behind two ways of making tax-effective super contributions.

Understand how a downsizer contribution may fit a retirement plan and which eligibility, cash-flow and Centrelink questions to resolve first.

Distinguish adding money to a partner’s super from splitting eligible contributions, and assess each person’s retirement and access needs.

Understand binding and non-binding nominations, eligible beneficiaries and why your super instructions need to be coordinated with your will.

Match one-off expenses and ongoing living costs with an appropriate combination of super withdrawals, pension income and accessible savings.