Retirement Planning

A corporatesuper fundis an employer-sponsored superannuation arrangement designed for employees of a specific company or group of employers. These arrangements may exist as standalone corporate funds or as tailored employer divisions within larger industry or retail super funds. Corporate super plans often include negotiated …

Corporate bonds are fixed-income securities issued by companies in Australia and globally to raiseCapitalforBusinessoperations, expansion, or refinancing activities. In return, investors provide capital to the issuer and receive regular interest payments (coupons) along with repayment of the principal amount at maturity.

A death benefit lump sum is a one-off payment of a deceased super member’s account balance, including any insurance proceeds held within thesuper fund, paid to eligible beneficiaries. It is one of the main ways superannuation savings are transferred after death.

A fixed-termAnnuity, also known as a term-certain annuity, is a financial product issued by a life insurance company that provides a guaranteed regular income for a fixed period in exchange for a lump sum investment. The term is chosen at the outset and typically …

A downsizer contribution is a special type of superannuation contribution that allows eligible older Australians to contribute proceeds from the sale of their home into their superannuation account. It was introduced to encourage older Australians to downsize and unlock housingEquityfor retirement savings.

The Energy Supplement is an ongoing payment provided by the Australian Government to assist eligible recipients with energy-related costs. It is automatically included as part of certain Centrelink and Department of Veterans’ Affairs payments and does not require a separate application.

An exchange traded fund (ETF) is an investment fund that holds a basket of underlying assets such as shares, bonds, property securities or commodities and trades on a stock exchange like a single share. In Australia, ETFs are listed on exchanges such as the …