Working out how much cash you should stack inside – or outside – your super can be a conundrum.
Once you pass the point of chasing money for security’s sake,the whole exercise can start to feel a bit pointless.
Even if your finances are separated,you will still be treated as a couple for Centrelink purposes.
In recent years,income options outside the age pension or your superannuation have become increasingly popular – and easier to understand.
It can feel dangerous messing with your super while markets are volatile,but it’s unlikely to have a major impact on your returns.
You can crack into your super for healthcare reasons,including dental work,but only under a very strict set of rules.
There’s nothing wrong with being conservative with your super,but depending on your age,you could be missing out on some big returns.
Though they don’t produce an income,your gold and silver assets could still be weighing down your pension.
Starting to tap into your super during heavy market fluctuations can feel like a bad move,but it can actually benefit you.
Cracking into your super has a few conditions,one of which is that you’re no longer working.