Articles

Closing the Super Gender Gap

Closing the Super Gender Gap

Australian women retire with far less super than men. On average, men in their early 60s hold around $361,500, while women hold about $289,000.* Why the Gap Exists Career breaks Part-time work Pay inequality Strategies to Close the Gap Spouse contributions Government co-contributions Catch-up contributions Downsizer contributions Super splitting Final Thought The super gender gap […]

Tax Smarts: Superannuation and Capital Gains Made Simple

Tax Smarts: Superannuation and Capital Gains Made Simple

Superannuation is often called Australia’s most tax-effective investment vehicle. Yet many pre-retirees don’t fully understand how the tax rules work – or how to use them to their advantage. Contributions and Tax Concessional contributions: taxed at 15% (30% for very high earners). Non-concessional contributions: not taxed on entry; earnings taxed at 15%. Capital Gains Inside […]

Planning for 90 and Beyond: The Longevity Factor

Planning for 90 and Beyond: The Longevity Factor

Australians are living longer than ever. One in four Australians who reach 65 today will live beyond 90.* Yet few pre-retirees plan for such long lifespans. Why It Matters The traditional “20-year retirement” mindset no longer works. Retirees may need income streams lasting 30+ years. Running out of money late in life, when health costs […]

Cost-of-Living Crunch: Protecting Your Retirement Budget

Cost-of-Living Crunch: Protecting Your Retirement Budget

Cost of living pressures have dominated headlines in recent years. For pre-retirees, these pressures create anxiety about whether retirement savings will be enough. Research shows more than two-thirds of Australians over 60 feel rising costs threaten their financial security – and 40% fear they’ll run out of money.* Where Retirees Feel It Most Energy bills […]

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