Navigating Retirement Investing
Wednesday, November 06, 2024
Navigating retirement finances can be complex. This is where a retirement financial adviser can assist you to avoid potential pitfalls.
Market Updates
Increases to the Australian Age Pension
Wednesday, October 02, 2024
Age Pension rates are adjusted twice a year, in March and September, to help retirees keep up with the rising cost of living. These regular increases assist Age Pensioners in maintaining purchasing power and standard of living.
2024 Superannuation Changes - Super Contribution Cap Increased
Thursday, July 18, 2024
From July 1st, 2024, Australians saw an increase in superannuation contribution caps, offering new opportunities for those planning for retirement to boost their savings. These changes, along with adjustments to the bring-forward rule, provide more flexibility for individuals to grow their superannuation balances.
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Maximise your Estate for your Beneficiaries via Super Recontribution
Tuesday, June 11, 2024
A Superannuation re-contribution strategy is a simple process that when used effectively can save your Estate beneficiaries many thousands of dollars.
Retirement Investments Lifted by Magnificent Seven Stocks
Tuesday, April 09, 2024
The ‘Magnificent Seven’ stocks, comprising Apple, Microsoft, Amazon, Nvidia, Meta Platforms, Tesla, and Alphabet (parent company of Google), have been the stars of the stock market over the past year. Anyone invested in these stocks have benefitted from these Tech giants collective growth of 80%, significantly outperforming the broader market indices.
Pension Retirement Entitlements - Discover the Two Types of Pensions
Wednesday, March 06, 2024
There are two main types of pensions you may receive in retirement - a Government Age Pension or an Account Based Pension. In many cases you can receive both! Our Maher Digby retirement planning specialists explain your options in this article.
Understanding Estate Planning – Binding Nominations and Reversionary Pensions
Wednesday, February 07, 2024
Binding nominations and reversionary pensions are two ways to ensure your superannuation is passed to your elected beneficiaries in an efficient and timely manner. It also keeps the money within the superannuation environment with the tax benefits of this. Without these legally binding directives, the choice of where your money goes to is at the discretion of the superannuation trustee.
What is the Best Retirement Investment Plan for You?
Tuesday, January 16, 2024
When you are still working, but planning for your retirement, your investment strategy may be quite different than when you actually retire.
Your Retirement Investment Strategy is Full of Choices
Wednesday, December 06, 2023
The vision of your retirement and the reality of your retirement journey could well be in harmony. Our experience as financial planners though, is that life can throw unplanned twists and turns along the way that may require review and accessing your investments.
Using Home Downsizing Contributions as part of your Retirement Income Strategy
Wednesday, November 15, 2023
At some stage during retirement, you may consider the option to downsize your living circumstances and boost your retirement income via contributing some of the profits into your superannuation. This is certainly a possible retirement strategy option. Read on to learn more from our Sunshine Coast retirement income strategy specialists.
Dividend and Retirement Investment Advice for Retirees
Tuesday, October 17, 2023
Retirees who are drawing an income on their retirement investment have the opportunity to maintain their capital via dividend payments into their investment, as well as the increased capital value of their holdings.
Franking Credits Offer a Boost to Retirement Investment Income
Wednesday, September 13, 2023
It’s that time of year when many retirees are in the process of receiving retirement investment franking credit rebates. Franking credits are attractive to self-funded retirees because they allow them to generate additional income from their share portfolios.
Retiree Investment Strategy Recession Considerations
Thursday, August 10, 2023
In Australia, there has been increasing discussion about the potential of recession because of rising RBA interest rates and the subsequent economic impacts of these, such as reduced consumer spending and company production. There can be implications for retirees and their investment strategy.
How can Bank Cash Interest Rates Benefit Retirees?
Thursday, June 29, 2023
Banks are now offering reasonable interest on your savings. It could pay to shop around. You can have a retirement plan for the investment of your retirement nest egg while keeping some accessible cash aside, at reasonable rates, to have on-hand for your personal needs and other lifestyle plans. Find out how bank cash interest rates can benefit retirees, here.
Drawing Income from your Retirement Pension
Tuesday, May 30, 2023
Once retired most people transfer their superannuation to an Account Based Pension and start drawing an income to fund their retirement. Because of market turmoil during COVID, the Australian government allowed pensioners to reduce the minimum annual income they withdrew from their pension by 50%. As of 1st July 2023 however, the minimum pensions are returning to their pre-COVID limits.
Is your Money Safe in the Bank? What is the Bank Guarantee?
Thursday, April 13, 2023
The 2023 events of a few overseas banks struggling to meet standards has raised questions about the security of our own Australian banks. Overall, the Australian banking system is strong, and we also have in place the added protection of the bank guarantee.
Need a Retirement Financial Planner for Teachers?
Wednesday, February 22, 2023
When you are approaching retirement, it can be wise to start considering your personal retirement plan. A financial advisor can provide a clearer view of best timing according to your personal circumstances as there are various superannuation retirement scenarios for teachers.