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Eligible Australians can use unused concessional caps from up to five previous financial years, potentially allowing contributions well above the $30,000 standard cap for 2025–26. If $20,000 of unused cap is available and the balance test is satisfied, total concessional…
You're sitting at the kitchen table with your partner, retirement no longer feels distant, and one question keeps returning: should you move your super into an account-based pension, or keep taking lump sums when you need them? The decision affects…
156,000 Australians aged 45 and over left the labour force for retirement in 2024–25, but people still working expected to retire at an average age of 65.6 years, compared with an actual average retirement age of 63.8 years, according to…
Are you comparing agreed value and indemnity income protection by the monthly premium, or by the amount you could keep after tax when your income has already fallen? That distinction matters because a policy can look generous on paper and…
You may already have TPD insurance and not know how much it covers, which definition applies, or whether the benefit would reach you when you need it. The premium comes from your super balance, so the policy can feel free…
You may have arranged a life insurance policy, updated your Will and nominated people on your super account. Yet those documents can still point in different directions. The central question isn't only how much cover you have. It's who owns…
Around $630,000 for a single and $730,000 for a couple is the ASFA benchmark for a comfortable retirement in Australia, assuming you own your home outright. If you only want a modest retirement, the benchmark drops to $110,000 for a…
You've cut back on discretionary spending, but the mortgage still absorbs a large part of your household cash flow. Your credit card balance isn't falling quickly enough, your car loan competes with super contributions, and every unexpected bill threatens to…
You've spent years building super, paid down the mortgage and pictured a comfortable retirement in Perth or Dunsborough. Then the practical question arrives: how much can you spend each year without exhausting your savings, losing more Age Pension than expected…
A high-income professional can do everything that looks sensible, salary sacrifice regularly, keep employer contributions invested, and review the fund once a year, yet still lose valuable tax and estate-planning opportunities. The problem isn't a lack of superannuation. It's poor…