SMSF

Unlike savings accounts, where interest rates can change at any time and money can be withdrawn freely, term deposits offer rate certainty but limit access to the funds during the term. Early withdrawals are typically permitted but usually attract a reduction in interest paid.

Unlike a regular account-based pension, a TTR pension is available before a member has fully retired. Members can use it to supplement their salary if they reduce work hours, or as part of a strategy that combines TTR income with continuing salary sacrifice contributions …

A comprehensive income product for retirement, often abbreviated as CIPR, is a concept that emerged from AustralianSuperannuationpolicy work in the mid-2010s. The original policy idea was for super funds to offer a default retirement income product that combined features such as broadly constant income …

Australian shares are listed equities traded primarily on the Australian Securities Exchange (ASX) that represent fractional ownership in Australian companies. When you buy a share, you become a part-owner of that company, entitled to a share of profits (often paid as dividends) and able …

The Age Pension is a means-tested income support payment provided by the Australian Government through Services Australia (commonly known as Centrelink) to eligible older Australians. It is the main pillar of retirement income for many people who do not have enough super or other …

An account-based pension (ABP) is a type of superannuation income stream that pays regular income to a member after they have met a condition of release, such as retirement or reaching age 65. It is one of the most commonly used retirement-phase products in …

Aged care means-tested funding refers to the system used in Australia to determine how much a person contributes to the cost of their aged care, based on their income and assets. The system applies to both residential aged care (where a person lives in …