We’re running low on super,can we use our house equity as backup?

We’re running low on super,can we use our house equity as backup?

Downsizing and contributing the proceeds into your super has minimal limitations,but it might affect your age pension.

  • byPaul Benson

Latest

Deeming freeze a plus for pensioners,but rates can’t stagnate forever
Opinion
Pension

Deeming freeze a plus for pensioners,but rates can’t stagnate forever

The freezing of deeming rates has provided some certainty in an environment of rising interest rates. But at some point they will need to rise.

  • byNoel Whittaker
Want to help the housing crisis? Bring back the pensioner savings account
Opinion
Pension

Want to help the housing crisis? Bring back the pensioner savings account

Part of solving the current housing crisis needs to be removing financial barriers for people who want to downsize. Pensioners are a good place to start.

  • byRachel Lane
If I drop to part-time,can I use super to top up my income?

If I drop to part-time,can I use super to top up my income?

Managing an income while drawing down from your super can be a delicate balance,but there are plenty of ways to make it work.

  • byNoel Whittaker
If I use up my super on a lavish holiday,can I still get the pension?

If I use up my super on a lavish holiday,can I still get the pension?

Taking an expensive overseas holiday using your superannuation should have no bearing on your pension eligibility when the time comes.

  • byNoel Whittaker
Should I move from a small super fund to a major one?

Should I move from a small super fund to a major one?

While a small fund can seem like it lags bigger ones,it can still be a winner when it comes to returns.

  • byPaul Benson
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Seven secrets to getting juicy deals on retirement travel

Seven secrets to getting juicy deals on retirement travel

The sector serving retirees with travel is packed with well-kept secrets. Today,I’m going to share a few of the finest.

  • byBec Wilson
How to ensure you don’t end up in aged care limbo
Analysis
Aged care

How to ensure you don’t end up in aged care limbo

A retirement village with an aged care home on the same property can seem like a great long-term plan,but the financial barriers can be significant.

  • byRachel Lane
Why is retirement spending so difficult to navigate?

Why is retirement spending so difficult to navigate?

Super through our working life is relatively straightforward. The retirement phase presents an entirely different situation.

  • byBec Wilson
Why are people inflating their wealth for better aged care?
Analysis
Aged care

Why are people inflating their wealth for better aged care?

Retirees are artificially inflating the value of their assets,in numerous instances borrowing money to get the accommodation of their choice.

  • byRachel Lane
I’m 40,single,and without children. Do I really need a will?

I’m 40,single,and without children. Do I really need a will?

There’s no reason to put your family through additional drama when you pass away,so it’s best to make up a simple will.

  • byNoel Whittaker