Understand your options. Plan your next step.

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

41 articles found

Salary sacrifice or personal deductible super contributions?

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

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

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

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

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

A plain-English guide to Age Pension age, residency, income and assets tests—and why the result is different for every household.

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.

Managed funds can provide diversification and professional management, but fees, tax, liquidity and manager risk still matter.

A clear explanation of units, pooled ownership, investment management, distributions, fees and common risks.

A sound investment strategy balances willingness to take risk, financial capacity for loss and the return required to meet your goals.