Someone at work has an SMSF and now you're wondering whether you're the one not paying attention. Here's an honest look at what a self-managed super fund costs, what it asks of you, and how to tell whether the answer for you is yes, no, or not yet.
The words super funds use — balanced, growth, conservative — don't mean the same thing from one fund to the next, and the only number that matters is how much sits in growth assets. Here's how to find yours, what the difference is worth over a decade, and how to decide without guessing.
Keeping your retirement savings in cash feels safe, but with prices up 4.3% over the past year a term deposit can quietly go backwards after tax. Here is what inflation really does to a retirement pot, and how to protect the part of your income that is not already indexed.
Your super balance isn't an income — an account-based pension is the thing that turns one into the other. Here's how the minimum drawdown rules, the tax treatment after 60 and the Centrelink tests actually work.
At 60 you can usually get at your super; at 67 the age pension becomes possible. This looks honestly at what seven more working years does to your balance, your pension, and the parts of the decision no spreadsheet can answer.
