Made redundant in your mid-50s? Your payout is several different payments, each taxed its own way, and your super stays locked until 60. Here's how to work out what you're holding, what the ATO takes, and where the money should go first.
Going guarantor for an adult child feels like signing a form rather than spending money, but it puts your home and your own borrowing on the line. Here is what you are actually promising, how a limited guarantee works, and the questions to ask before anything is signed.
Giving your adult children a deposit in your fifties isn't spare money - it's retirement money with someone else's name on it. Here's what the gift really costs, how Centrelink's gifting rules treat it, and how to help without wrecking your own plans.
Nobody pays super for you when you work for yourself, which is why so many self-employed Australians reach their fifties with a balance that looks far too small. Here's how the personal super contribution deduction works, how the five-year catch-up rule can let you put in well above one year's cap, and the paperwork that has to be right.
If your super is a fraction of your partner's after years of part-time work or unpaid caring, the gap is arithmetic rather than a personal failing. Here are the catch-up rules, offsets and contributions that can close part of it while you are still in your 50s.
