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Lisa and Mark have been married for 14 years. They live in Perth, the family home is jointly owned, and both assumed the house would be the main issue in their settlement. Then their advisers totalled the two super accounts.…
You're 58, it's late April, and your accountant has just reminded you that you haven't made a serious concessional contribution for several years. Your employer contributions have been modest, your income is higher than usual, and a substantial unused super…
Jan and Rob, a 65-year-old couple in Perth, have stopped work and can see a sizeable super balance on their latest statements. Their question isn't whether they need income. It's whether they should start an account based pension now, leave…
You've logged into your super fund after a pay rise, ready to make a sensible decision, and found a menu packed with investment options that sound familiar but don't tell you much. Balanced, growth, conservative, international shares, property, cash, direct…
You're 62, retirement is close, and a routine review of your superannuation statement raises an uncomfortable question. The life cover you assumed would protect your partner may reduce or disappear as you approach a fund's age limit. At the same…
A 38-year-old marketing manager in Melbourne leaves work on a Friday expecting to return after the weekend. Instead, a cycling accident fractures her spine, and her doctor expects she'll be unable to work for months. Her sick leave runs out…
A family can hold life insurance and still be badly exposed. Australian data shows that 1.0 million people are underinsured for death and total and permanent disability needs, while 3.4 million are underinsured for income protection. Around 15.0 million Australians…
Dollar cost averaging means investing a fixed dollar amount on a regular schedule, such as weekly, fortnightly, or monthly, regardless of the market price. You automatically buy more units when prices are low and fewer when prices are high. That…
You've spent years building a home, superannuation and savings, and now retirement is close enough to feel real. Then a neighbour mentions the Age Pension, and suddenly simple questions become difficult: will your age qualify, does your Perth or regional…
The most popular retirement advice is also the least useful: save a large enough super balance and everything else will work itself out. It won't. A balance is a starting point, not a retirement income plan. For a Perth couple…