FP – Retirement

How can I protect my super in retirement? (Video)

How can I protect my super in retirement? (Video) Andrew Donachie CFP® Andrew Donachie is the National Financial Planning Manager at First State Super. Andrew has 12 years’ experience as a financial planner and is CFP® qualified. As part of the Financial Planning Association’s Ask a Planner video series, Andrew Donachie CFP® answers the commonly asked question, “What are some of the options to protect my super in retirement?” If you have a question …

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Retirement planning – make the most of your money

Retirement planning – make the most of your money Little things can make a big difference to how long your money lasts in retirement. When it comes to retirement planning, you’ll want to make the most of your money, after all you don’t want to fritter away the savings you’ve worked all your life to achieve. So, whether you’re living a comfortable or modest lifestyle in retirement, there are still ways to make your money go further …

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The Retirement Series: longevity

The Retirement Series: longevity Australians are living longer, with men and women alike enjoying a life expectancy beyond their eightieth birthday1. According to the United Nations, we now have the third highest male and female combined life expectancy in the world, behind only Japan and Switzerland2. It’s great news for all of us hoping to enjoy life’s pleasures and passions during a long and healthy retirement. Provided we’re prepared for it, because we’re not …

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Should I be more conservative with my super leading into retirement? (Video)

Should I be more conservative with my super leading into retirement? (Video) Andrew Donachie CFP® Andrew Donachie is the National Financial Planning Manager at First State Super. Andrew has 12 years’ experience as a financial planner and is CFP® qualified. As part of the Financial Planning Association’s Ask A Planner video series, Andrew Donachie CFP® answers the commonly asked question, “Should I be more aggressive or conservative with my superannuation strategy in the lead …

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Early retirement – is it right for you?

Early retirement – is it right for you? International research shows leaving work early may not be so good for your life expectancy. We bring you a checklist of things to consider before you leave work and ride off into the sunset for your happily ever after. Retire early for a longer life? If you’ve already squirreled away enough super for an early retirement, it’s probably pretty high on your list of priorities. But money …

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Retirement the top priority for advised clients

Retirement the top priority for advised clients A poll of financial advisers in the AMP network, the largest in Australia, has found that achieving a good retirement is by far the most important goal for their clients. Almost 50 per cent of advisers said their clients were focused on retirement, well ahead of other common goals for which people sought financial advice. The second top priority for clients, at 13 per cent, was simplifying …

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Should I take my super as a lump sum?

Should I take my super as a lump sum? Taking your super as a lump sum might be tempting, but it won’t be the best option for everyone. You’ve probably spent much of your working life accumulating super. So, when the time comes and you’re able to access it, you might be wondering whether you’d be better off taking the money as a lump sum, income stream, or even a bit of both. To help you make …

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The real cost of retirement

The real cost of retirement When you’re looking at saving and planning for retirement, it’s important to know how much you can expect to be spending. The latest retirement standard figures and other data sources can give you an idea of the cost of retirement, but what else do you need to take into account to ensure your financial wellbeing? Running the numbers – the retirement standard Since June 2006, the Association of Superannuation Funds of …

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Your retirement questions answered

Your retirement questions answered If you’re wondering what you might do with your super money when you do access it, remember there will be a number of things to weigh up and look into. How can I take my super? Taking super as a lump sum A lump sum could help you pay off your home loan or other outstanding debts, but there may be tax implications to consider and you should think about what …

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All about annuities

All about annuities All about annuities Offering a secure income for as long as you need it, annuities are often seen as a safe, but not very sexy option for investing your retirement savings. This animation unpacks the pros and cons of annuities. Online source: Produced by The Financial Financial Planning Association of Australia and published on 25 January 2018. Original article.