Understand your options. Plan your next step.

Practical guides to the retirement, superannuation and money decisions that matter to you.

41 articles found

Financial planning after receiving an inheritance

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

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

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

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

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

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

Compare fees, investments, insurance and existing benefits before moving multiple super accounts into one fund.

Compare debt repayments, super withdrawals and retirement income together before deciding how much mortgage debt to carry into retirement.

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

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

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

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