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How will you use your super

We spend decades watching our super balances grow but for those thinking about retirement in the next few years, it can be confusing to work out how best to use your super. Here are some of the considerations for the popular options. Easing into retirement You can keep working and receive regular payments from your...
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Three aged care mistakes you should avoid

Moving into residential aged care can be stressful with complicated rules, family conflicts and rushed timeframes. This can easily lead to mistakes, which can be costly and difficult to rectify. This article highlights three common mistakes and tips to avoid traps. Rushing your decision The biggest expense you will face is the cost of your...
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Out with the old in 2024

A New Year is a chance to start afresh and move into the year ahead with confidence and optimism that it’s going to be a great one! Part of setting yourself up for a wonderful year can sometimes be letting go things in your life that are not so beneficial for you and may be...
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How to start a conversation about money

Why it’s so important to talk about your finances According to this research1, one in two Australians don’t sit down regularly to look at their finances and one in three say that money is a source of conflict in their relationship.   To put conversations about money back on the table, Australians should sit down for...
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Retirement income and tax

How much tax you pay on retirement income depends on your age and the type of income stream. For most people, an income stream from superannuation will be tax-free from age 60. How super income streams are taxed Types of super income streams Income from super can be an: What is taxable and what is...
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Scams have rapidly evolved; this is what they look like now in Australia

Scammers are always on the lookout for new tactics and opportunities. Keeping your knowledge ahead of the curve is key to protecting your money and personal information. How scams are changing One of the more important changes to the nature of scams is their sophistication, which continues to increase. Scammers are always finding new ways...
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Picking your retirement point

One of the hardest decisions for many people – excluding those who want to keep on working – is choosing when to stop. There’s no mandated retirement age as such, although there are prescribed preservation ages when people can legally access all or some of their superannuation funds. Anyone turning 59 on or before 30...
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Financial wellbeing is a gift worth giving yourself

The festive season is a time of joy and celebration but, for some, it can also lead to a financial hangover in the New Year. Overspending on gifts, parties, and decorations can quickly add-up, leaving us with unwanted debt in the New Year. In 2022, Australians spent more than $66.7 billion during the pre-Christmas sales...
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Boosting Confidence in Retirement

Every retirement is unique. Maybe dining out isn’t your thing, but you couldn’t bear to give up your weekly exercise classes. Figuring out how much you can spend in retirement requires planning. And knowing what you can afford to safely spend, based on the savings you have, will also help you to identify any gaps...
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