Financial Planning Insights
Stay informed with practical strategies to help you achieve your goals — insights from our licensed advisers on money, investing, and life-stage planning.
All Articles
Browse our insights
Page 16 of 20
How Gifting Money Affects the Age Pension
Giving money to family or others can impact your Age Pension eligibility. Centrelink applies strict gifting rules that may still count gifted assets in your pension assessment. This guide explains how gifting works and what retirees should consider.
Age Pension for Couples vs Singles Explained
Age Pension payments differ depending on whether you are single or part of a couple. The thresholds for income and assets, as well as maximum payments, are calculated differently. This guide explains how Age Pension rules apply to singles and couples in Australia.
Can You Get the Age Pension If You Own an Investment Property?
Many retirees own investment properties and still want to qualify for the Age Pension. While this is possible, the property and its income will affect both the assets test and income test. This guide explains how investment property is assessed under current Services Australia rules.
Downsizing and the Age Pension: What to Watch
Downsizing your home can release equity and improve retirement flexibility, but it may also affect your Age Pension entitlement. Proceeds from selling your home can become assessable assets under pension rules. This guide explains the key considerations Australians should understand before downsizing.
How Deeming Rates Work (Separate Deep Dive)
Deeming rates determine how the government calculates income from your financial assets when assessing Age Pension eligibility. Even if your investments earn less than the deeming rate, the same assumed income applies. This guide explains how deeming works and why it matters for retirement planning.
Work Bonus Explained for Retirees
Many retirees choose to keep working part-time while receiving the Age Pension. The Work Bonus allows eligible pensioners to earn employment income without immediately reducing their pension payment. This guide explains how the Work Bonus works and how retirees can benefit from it.
How Much Can You Earn and Still Get the Age Pension?
Many retirees supplement their income with investments or part-time work while receiving the Age Pension. However, your income must stay within certain limits to remain eligible. This guide explains the Age Pension income test and how it affects your payments.
What Happens to Your Super When You Die?
Superannuation does not automatically form part of your estate when you die. Instead, it is distributed according to superannuation law and your nominated beneficiaries. This guide explains how super death benefits work in Australia and how to ensure your wishes are followed.
Lump Sum vs Pension: Which Is Better in Retirement?
When you retire, you can access your super as a lump sum, a regular pension income, or a combination of both. Each option has different tax, investment and longevity implications. This guide explains how Australians can decide which approach suits their retirement strategy.
Ready to transform your financial future?
Our team of ASIC-licensed advisers is ready to help you create a personalized financial strategy. Book your free consultation today.