Tag Archives | pension phase

terminal illness

How to access terminal illness benefits

Most people think of super access in terms of age, but when life deals a cruel blow, the rules allow members early access subject to certain conditions. It’s a valuable safety net.

Rob Prugue

Rob Prugue’s spiritual super journey

After decades of intense work in financial markets, including Asia-wide responsibilities, a sabbatical walk along Spain’s Camino led to an unexpected mix of superannuation insights and dealing with death.

financial goals decumulation

Three major financial goals after retirement

Most people in retirement will have three financial goals in the decumulation stage to take account of the uncertainty of health, longevity and markets, and here’s a framework to help.

tax-free

Tax-free super drives the politics of envy

Labor has been forced to exempt ‘pensioners’ from its franking credit refund policy, but the target remains the zero tax paid by large SMSFs in pension phase. That will sustain the class war.

super law

Navigating super law changes with confidence

SMSF trustees and other people with large super balances should realise there are two applications of the $1.6 million transfer balance cap, and final opportunities to grow retirement savings in the most tax-effective way.

PX-smileys

Large funds need to earn retirement loyalty

A clear challenge for superannuation funds is improving customer loyalty as they transition from accumulation phase to pension phase. There is not enough urgency in addressing member retention at this crucial moment.

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