SuperGuide

Superannuation and retirement planning information

January 2025 Retirement planner newsletter

Can I get free financial advice?
If you could do with some help with your finances but can’t afford a professional adviser, all is not lost. Free financial advice and digital tools are out there if… Read more.
Can I get free financial advice?
If you could do with some help with your finances but can’t afford a professional adviser, all is not lost. Free financial advice and digital tools are out there if… Read more.
Wealthy retirees: Should I start a super pension or draw on non-super investments first?
Retirees with substantial investments both in and out of super often wonder whether they should start a super pension or draw income from investments outside super first. We look at… Read more.
Wealthy retirees: Should I start a super pension or draw on non-super investments first?
Retirees with substantial investments both in and out of super often wonder whether they should start a super pension or draw income from investments outside super first. We look at… Read more.
How long you can expect to live and what it means for your super
While none of us knows exactly how long we will live, you can narrow the possibilities with these life expectancy projections based on Australian numbers. Read more.
How long you can expect to live and what it means for your super
While none of us knows exactly how long we will live, you can narrow the possibilities with these life expectancy projections based on Australian numbers. Read more.
How sequencing risk affects your retirement
Sequencing risk can ruin even the most carefully planned retirement. Losses and low returns just as you move into retirement mean you will have much less to spend. Read more.
How sequencing risk affects your retirement
Sequencing risk can ruin even the most carefully planned retirement. Losses and low returns just as you move into retirement mean you will have much less to spend. Read more.
How to measure the financial impact of delaying retirement
If you are weighing up whether you can afford to retire sooner rather than later, it’s worth calculating some different scenarios before you pull the plug on your working life.… Read more.
How to measure the financial impact of delaying retirement
If you are weighing up whether you can afford to retire sooner rather than later, it’s worth calculating some different scenarios before you pull the plug on your working life.… Read more.

Super strategies for 2025

Thursday 23 January 2025 at 4:30 pm AEDT

In this webinar we will explore and explain some of the more beneficial superannuation strategies that you should be considering in the next 12 months. We will cover super strategies for members of all types of superannuation funds, including industry funds, retail funds and SMSFs.

IN CASE YOU MISSED IT: Watch our previous webinar, SuperGuide members Q&A: December 2024.

Q: My wife and I are selling our home of 15 years and are interested in making downsizer contributions. I am aged 60 and my wife is 53. Are we both eligible to make this type of contribution since I am over the relevant eligibility age of 55?

A: No. The person making a downsizer contribution must be aged 55 or more at the time the contribution is made. As your wife is under 55, she is not eligible to make this type of contribution at present. If your home is sold now, only you will be able to make a downsizer contribution in relation to that sale.

If another home that you own for 10 years or more is sold in the future, your wife would be able to make a downsizer contribution from that future sale – assuming the opportunity is not removed by a future government.

Read more about downsizer contributions.

We know the purpose of super is to provide retirement income – but in practice, many Australians pass away with a significant super balance. Learn how a recontribution strategy could reduce tax to your beneficiaries.

Important: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

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.