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The sooner you start planning for your future, the better. Developing healthy budgeting and savings habits in your 20s can help you now – and set you up for future financial wellbeing. If you’re in your 20s, chances are that life could feel like a bit of a rollercoaster right now. Learning to juggle competing financial… Continue reading Saving for your future in your 20s Read More

Retirement is a huge milestone that affects everything from our family and social lives to our finances. Plus, with the average Australian living to the age of 82.8 (that’s 80.7 for men and 84.9 for women), it’s a life stage that can continue for two decades or longer. So it makes sense to spend a… Continue reading How to save for retirement at every age Read More

Thinking of early retirement, well having a plan can give your money the best chance of lasting the distance. Whether lifestyle preferences or circumstances beyond your control are behind your decision to retire early, you’ll need to make a plan to help your retirement savings last, while still enjoying a few of your favourite comforts in… Continue reading Retire early Read More

If retirement’s coming up on your horizon, make sure your plans stay on track. To do so it will be best to concentrate on things you can control, such as insurance. High premiums can chew away at your savings, at a time when they’re more important than ever. Under-insure and one day your floor may collapse,… Continue reading What to consider about insurance ahead of retirement Read More

Calculate how much money you might have, how long it will last and how much you’ll need in retirement, with our retirement calculators Working out how much is enough for retirement depends on many factors, such as your lifestyle, plans for the future, and the number of years you’ll spend retired. Additionally, estimating how much you’ll… Continue reading How much do you need to retire comfortably in Australia? Read More

If you’re retirement planning and wondering how you can access your super via different types of retirement pensions, how these differ from the government’s Age Pension, and what you should know if you’re considering withdrawing your super as a lump sum, it’s a good idea to get across the information below. Keep in mind that… Continue reading Types of retirement and superannuation pensions explained Read More

Are you considering retiring, well it can be helpful to understand what your preservation age is and how it affects your ability to access your super? You may have heard the words ‘preservation age’ but have no idea what it means,  then read on. We explain what it is, the options available once you’ve reached… Continue reading Preservation Age Read More

You’ll be able to access your super between 55 and 60, depending on when you were born. And you’ll become eligible for the age pension at 65½, rising to 67 by 2023. But there’s no fixed retirement age in Australia so it’s up to you when you retire.   You’ll need to take into account… Continue reading What is the retirement age in Australia Read More

 Are you considering an SMSF? Ask yourself these questions to help decide if a Self-managed super fund is right for you. Do I have enough super? You generally need a reasonable amount of super to justify the costs of an SMSF however there is no minimum balance required by law. The main considerations are comparing… Continue reading Is an SMSF right for you? Read More

An SMSF is required to be audited by a registered SMSF auditor who reviews the operation of the fund and completes a financial and compliance audit. A financial and compliance audit must be completed before a fund’s SMSF annual return can be lodged with the ATO. There are set timeframes around the appointment of auditors and… Continue reading Audits on SMSF Read More

An SMSF must have either a corporate trustee or at least two individual trustees. When you set up an SMSF you take on the role of either:Individual Trustee, orDirector of a company that is the trustee (called a corporate trustee) A trustee is the persons or company that is responsible for running the fund. Having an SMSF… Continue reading Trustees and SMSF Read More

Having an SMSF means you’re in charge – you make the investment decisions for the fund and you’re held responsible for complying with the superannuation and tax laws. Making sure your SMSF complies with all the relevant superannuation and tax laws can be time-consuming. However, we provide services to help you stay in control, including: Accounting administrationAnnual… Continue reading Compliance and SMSF Read More