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.
Aged care fees aren't based on what your investments actually earn — they're based on what the government deems you to earn. Noel Whittaker explains why a small change to the deeming rates can cost a family thousands a year.
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.
Noel Whittaker explains how capital gains tax actually works — and shows a case study where deductible super contributions reduce a $700,000 gain to no tax at all. Here's the principle, and where it applies if you're still working.
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.
