Getting the age pension (and your Seniors Card)

You’re nearly there. After a lifetime of toil – of digging, building, thinking, manufacturing, planting, helping and nurturing – it’s time for you to enjoy your Golden Years. If you’re an Australian resident, you’re entitled to an age pension and a Seniors Card. Here’s what you need to do next. Age Pension Eligibility To claim … Read more

How to manage changing interest rates

Rising interest rates Before 2022, few of us gave much thought to rising interest rates. After all, they’d been falling steadily for 14 years. That changed when the Reserve Bank began lifting the official cash rate to combat inflation. Now most of us are only too aware of how much interest rates can change and … Read more

Budgeting tips

Good ways to budget In this article, we look beyond the basics and focus more on what it takes to stick to your budget. Here are five tips to help you stick to your budget. 1. Stocktake. Spending more than you earn? Subtract your total weekly expenses from your total weekly income. How’s it looking? … Read more

How much super you need

Take some of the guesswork out of planning for the future. Work out how much super you’ll have when you retire, and if it will be enough to fund the lifestyle you want. It’s never too soon to start planning for a better financial future. Estimate how much super you’ll have You probably know how … Read more

Banking on the Age Pension

The ranks of Australians receiving the Age Pension are increasing. It’s important to understand who is eligible and its role in retirement planning. Just days before the 2023 Federal Budget was handed down on 9 May, the Australian Bureau of Statistics released a new report including data on the number of Australians receiving the Age … Read more

Will these super changes affect you?

As our superannuation balances grow larger, it makes more sense than ever to keep track of the many rules changes that have recently happened or are coming up soon. Australians are investing more in super – almost $151 billion dollars in the year ending March 2023, an increase of 11.3 per cent.i Those extra contributions, … Read more

What to do if you’ve been scammed

Think you have been scammed? These steps will help you take action quickly to stop the scammers and limit the damage. Know that you are not alone and you can recover from this. There is support available, if and when you need it. Act fast if you’ve been scammed If you’ve been scammed, follow these … Read more

Planning to retire

Before you retire If you’re planning to retire, you need to consider: your age including if you have reached your preservation age when you can access your super how much tax you will pay on amounts you receive if good leaver conditions apply if you are part of an Employee Share Scheme if the retirement capital … Read more