Location the missing ingredient in retirement planning
When you start planning your retirement, where you live can be just as important as your super balance and have an even bigger impact on your quality of life.
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Barbara is a financial journalist and author with over 30 years’ experience in Australia and the UK. She is a contributor to The Sydney Morning Herald and The Age Money section, and has worked for the Australian Financial Review and The Australian.
Barbara is the author of Alan Kohler’s Eureka Report Guide to Personal Investing, Sorting Out Your Finances for Dummies and Personal Finance for Dummies and co-author of Investing for Dummies with James Kirby.
When you start planning your retirement, where you live can be just as important as your super balance and have an even bigger impact on your quality of life.
Making a tax-deductible super contribution can be a great way to boost your retirement savings. Find out whether they could be the right strategy for you.
Retirees often live more frugally than necessary due to fears their money will run out, but this simple rule of thumb could help many retirees spend and enjoy life more.
Without knowing how long we will live, retirement income planning is difficult, to say the least. This calculator provides a personalised estimate, depending on your health and other factors.
If your super balance is underwhelming, even small personal contributions can supercharge your retirement savings once compound interest and tax do the heavy lifting.
If you are confused about the meaning of super investment option labels like Balanced, Growth and Defensive you’re not alone. Even the funds can’t agree.
They say a picture is worth a thousand words, so we’ve created a visual representation of super’s value in the long run.
As retirement beckons, it’s worth checking the rules around making last minute super contributions and how much you can transfer into a tax-free pension account.
Lifecycle funds are designed to reduce risk as you near retirement without sacrificing returns; recent research shows many do just that but you need to know what to look for.
While super funds with the highest annual returns capture headlines, some funds and their members place a premium on balancing rewards with a focus on consistency.
Climate change, sustainability, greenwashing – investing is a minefield these days but there are steps you can take to align your investments with your values.
The size of the self-managed super fund sector continues to grow in terms of members and assets, at the expense of all but industry super funds.
As SMSFs cement their place in the retirement savings landscape, trends in income, age and gender of members are emerging.
If you are eligible for the Age or DVA pension you could be in line for a handy tax rebate, depending on your taxable income and relationship status.
When (and if) you retire is up to you, but there are rules around when you can access your super and the Age Pension.
Many of us dream of early retirement, but if you need to access your super to live the dream you need to tick a few boxes first, beginning with your age.
Under the deeming rules, you are ‘deemed’ to earn a certain annual rate of return on your financial assets, regardless of the rate of return you actually earn.
Super is a very tax-effective vehicle for your retirement savings, but no-one said the taxation of super was simple. Here’s a quick overview of what you pay and when.
SuperGuide is Australia’s leading superannuation and retirement planning website.
Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.