Whether you'll get the age pension comes down to two Centrelink tests — one on your assets, one on your income — and the one that pays you less wins. Here's how both tests work, with the current thresholds and what to watch as you approach 67.
Two retirees can earn identical returns and finish almost $100,000 apart — the difference is simply when the bad year lands. Here's how sequencing risk works, and the practical defences that take away most of its sting.
When one partner's super is a fraction of the other's, the system offers three built-in fixes: spouse contributions, contribution splitting and smarter use of the caps. Here's how each works, with the current figures.
Every spare dollar can either shrink your home loan or grow your super, and after 45 the right split matters more than ever. Here's how to compare the two honestly — including the tax numbers for 2026-27.
Around 4 million Australians hold two or more super accounts, and each spare account quietly drains fees and insurance premiums. Here's what consolidating actually saves, what to check first, and how to do it in about 20 minutes.
