Articles

The $1 Million Myth: Why Most Retirees Don’t Need Seven Figures

The $1 Million Myth: Why Most Retirees Don’t Need Seven Figures

The idea that you need $1 million to retire comfortably is everywhere. It fuels anxiety among pre-retirees. The reality is different – and far less daunting. The Facts According to ASFA, the average balance at retirement is far below $1 million: around $361,500 for men and $289,000 for women.* Yet surveys show most retirees report […]

Finding Purpose Beyond Work

Finding Purpose Beyond Work

Retirement is often described in financial terms – how much money you need, how to invest, when to access super. Yet money is only one part of the picture. Research shows that purpose and connection are just as important for happiness in retirement. The Purpose Gap A National Seniors study found only 17–26% of pre-retirees […]

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 […]

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