A transition to retirement pension lets you draw an income from your super while you are still working, so you can cut back to four days without cutting your household income. Here is how it works, what it costs you, and when it isn't worth the paperwork.
Preservation age is now simply 60 for everyone still working towards it, but reaching 60 doesn't release your super on its own. Here's how conditions of release, transition to retirement and the gap to Age Pension age at 67 actually fit together.
Your super has two phases, and the move from accumulation to pension phase is the moment the tax on your fund's earnings can drop to zero. Here's how the switch works, when you're allowed to make it, and the caps and minimums to know about.
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.
