If you’re a 65-year old male reading this article you stand a good chance of living until at least 85.3 years. If you’re a female of the same age, you’re likely to get more than 20 years, with life expectancy of 88 (Australian Institute of Health and...
Sometimes the best plans are simple and straightforward. Although retirement rules are complex, your retirement investments don’t need to be. You can create a great retirement plan –delivering the lifestyle you want and can afford – with just the...
Cutting through confusion and complexity Assumptions are a gateway to a mistake, so the saying goes. Despite this, many of us are still prone to making assumptions or veering into denial about financial decisions when it all feels too hard or too...
Nicole answers Craig’s dilemma This week we talk to adviser, Nicole Bell, who spends her time working with Retirement Essentials members to help them get better financial outcomes. She recently spent time with Craig, who is 69, currently working full-time,...
The last day of October is the final date when individuals can file their tax returns unless they are represented by a tax agent. Many retirees – those on a Full Age Pension or those whose sole source of income is from their super – won’t be required to file...
Recent research from financial services provider, AMP, reports that 70% of Australians do not know what an Account-Based Pension is. We doubt this is the case with Retirement Essentials members, but it was a handy reminder that the complexity of many aspects...
At the end of August Vanguard Super released insights from its How Australia Retires study. This report focused on gender differences in retirement planning and retirement income. At one level you might ask if we learn anything new from such surveys or are...
The regular Retirement Essentials Retirement Pulse surveys reveal two interesting things about retirees. The first is that the majority say they are much more content in retirement than they were when they were working. And a similar number tell us...
Should you stay or go?And what are the implications? If you are a homeowner, you have many different ways to use your family home to help fund your retirement. The first major fork in the road is the decision whether you will ultimately stay in your current...