Retirement

Choosing super investment options before retirement

Match your super investment mix to upcoming withdrawals and a retirement that may last decades, rather than changing options solely because of age.

Understand how minimum account-based pension payments fit your budget and why the legal minimum is different from a sustainable spending target.

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.

Build a retirement target from your spending, housing, other income and timeframe instead of relying on one headline super balance.

Separate retiring from work, meeting a super release condition and qualifying for the Age Pension so your income starts when you expect.

Selling the family home can change your assessable assets, cash flow, housing costs and retirement strategy. Here is what to consider before acting.

Industry, retail, public-sector, corporate and self-managed funds can differ in cost, choice, insurance and responsibility.

How employer and personal contributions, investment earnings, fees, tax and insurance combine to build retirement savings.

Growth, value, quality, income, active and index approaches can behave differently through the market cycle.