Whether you are still working, or have already retired, the rules around superannuation contributions, accessing superannuation and things like Age Pension eligibility ramp up once you hit your 60s and 70s. Read more

This paper comprises excerpts from the Actuaries Institute paper: A Framework to 'Maximise' Retirement Income Read more

Generating the income for retirement from accumulated savings is a challenge that comes with additional risks to the retiree. Read more

On 27 September 2021, the federal government (government) released Exposure Draft legislation that will introduce a Retirement Income Covenant (RIC) for trustees of registrable superannuation entities (RSEs) as part of the Superannuation Industry (Supervision) ... Read more

The superannuation sector has been effective in helping millions of Australians build a nest egg to improve their standard of living in retirement. One of the biggest challenges facing the retirement system today is how best to transform accumulated ... Read more

The risk of members outliving their retirement savings presents a significant challenge for retirees and superannuation funds alike. With the Retirement Income Covenant (the covenant) set to come into force on 1 July 2022, super funds need to consider ... Read more

Six member SMSF funds sound like a sensible idea. Put the family in one super fund, make joint investment decisions, help the children save and heaps more reasons. Why not? Read more

The All groups CPI figure for the December 2020 quarter has triggered upward indexation of the general transfer balance cap (TBC) and any unused part of an individual's TBC from 1 July 2021. This sounds like good news, but the bad news is that the ... Read more

The sole purpose of superannuation is to provide income in retirement. It is therefore no surprise that a large proportion of people primarily want their savings to generate a stream of income in retirement. Read more

One of the final pieces of the 2021/22 planning jigsaw has dropped into place. The release of the November 2020 Average Weekly Earnings data means we now know for sure that the concessional contributions cap will increase from $25,000 to $27,500 from ... Read more