Conquering the Maze: Navigating Retirement Concessions
Retirees often miss out on valuable concessions due to a fragmented and confusing system. This article outlines how to access federal and state benefits like the PCC, CSHC, and Seniors Cards, and highlights the importance of combining entitlements for maximum savings. A Brisbane couple’s case study shows how strategic planning can unlock over $2,500 in annual benefits. The message is clear: persistence and guidance pay off.
The Evolving Role of Bonds in Modern Portfolios
Bonds are re-emerging as a vital tool for balancing risk and return in today’s volatile markets. This piece explores duration, credit risk, and diversification strategies across domestic and global fixed income. It challenges the traditional 60/40 portfolio model and encourages a more nuanced approach to income, liquidity, and capital preservation. Advisers play a key role in helping investors adapt to shifting conditions.
Superannuation Withdrawals Demystified
Understanding when and how to access super is critical for retirement planning. This article explains legal release conditions, income stream strategies, and the October 2025 reforms that tighten compliance and improve digital oversight. It also covers TTR (transition to retirement) options and the importance of sequencing withdrawals to optimise tax and Centrelink outcomes. With the right advice, retirees can turn super into sustainable income.
Q & A
- Making Extra Income Work Harder: Earning more? Make it count by automating savings, reducing debt, or boosting super. Small, consistent steps can build long-term wealth.
- Managing Investment Risk: Strong returns may shift your portfolio’s balance. Rebalancing helps manage risk and keep your investments aligned with your goals.
- Insurance in Super – Time for a Review? Super fund insurance terms are changing. It’s a good time to check if your cover still suits your needs and life stage.
