Category Archives: Retirement Planning

Basics about Super – How to succeed to invest INSIDE or OUTSIDE Super?

How can we know what will succeed, or give the better result? The question is – Do we invest invest inside or outside super? Moving investments from outside your super into a Self-Managed Super Fund (SMSF) could produce significant results … Continue reading

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Centrelink – Travel Voucher Changes for WA and VIC

Have a pension with Centrelink? Then note, you won’t get travel vouchers sent with your Pensioner Concession Card anymore from January 2020 in states of WA and VIC. The Human Services website explains more – As a pensioner, you can … Continue reading

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SMSF Basics – What is SMSF (Self Managed Super Fund) and what types are there?

Self-Managed Super Funds (SMSF) are one type of super fund similar to the commercial public funds, in that they are trusts. Super funds can be in 3 forms – Independent large super funds such as retail, industry, bank and financial … Continue reading

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CASE STUDY – David & Kate – Help with Administration

David and Kate already had set up their Self-Managed Super Fund (SMSF). Over time though, the administration tasks and collecting documents together for the preparation of year-end accounts was not what they found easy to achieve – which is similar … Continue reading

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Basics about Super – Raise the superannuation guarantee above 9.5% for adequate retirement nest egg – research finding

Do we need to raise the superannuation guarantee above 9.5% to provide an adequate nest egg? Will we have enough to retire comfortably, based on the current super saving system, where employers put aside 9.5% of your wages into a … Continue reading

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Pensions Centrelink – New Means-Test Rules for Lifetime Income Streams

From 1 July 2019, new means test rules for lifetime income streams came into effect. The Department of Human Services explains more – The new rules change the way we assess lifetime income streams (LIS) purchased from 1 July 2019. … Continue reading

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CASE STUDY – Carmen & Bob – Build to property investment through super

Carmen and Bob wanted to invest in property, and with a trusted advisor they explored the idea of property investment through Super. (There are 5 easy steps to planning anything – start where you are at, decide what lifestyle you … Continue reading

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