In-depth articles about investing, superannuation, tax planning, and wealth creation strategies. Expert insights to help you make smarter financial decisions.
Explore our collection of financial strategy articles and insights
33 articles
Free spouse super contribution calculator. Estimate your tax offset up to $540, check income thresholds, and understand how spouse contributions work in Australia.
Clear guide to super contribution splitting in Australia, including eligible contributions, the 85% rule, timing, caps, and how to apply through your fund.
Clear comparison of spouse super contributions and contribution splitting in Australia, including tax offset eligibility, caps, timing rules, and when each may suit.
Full eligibility checklist for spouse super contributions in Australia, including income tests, age rules, residency, caps, and total super balance limits.
Step by step guide to claiming the spouse super tax offset, including income definitions, thresholds, eligibility rules, and how to complete label T3.
Clear guide to spouse super contributions in Australia, including eligibility rules, income thresholds, the $540 tax offset, and contribution splitting differences.
Clear comparison of the super co-contribution and LISTO for 2025–26, including eligibility rules, income thresholds, and whether you can receive both.
2025–26 super co-contribution income thresholds explained, including the $47,488 lower limit, $62,488 upper limit, taper rules, and payment rates.
Clear 2025–26 checklist for super co-contribution eligibility, including $47,488 and $62,488 thresholds, income tests, age rules, and contribution requirements.
Step-by-step guide to how the super co-contribution is paid in 2025–26, including whether you need to apply, deadlines, and when the ATO pays it.
Plain English guide to how the 2025–26 super co-contribution is calculated, including the 50c rate, 3.333c taper, income thresholds and worked examples.
TTR vs account based pension explained clearly. Compare tax, withdrawal limits and retirement phase rules in Australia.
How an account based pension is assessed under the Age Pension assets and income tests. Clear explanation of deeming and key rules.
Can you add money to an account based pension? Clear explanation of the rules, what happens to new contributions and practical options.
Account based pension vs lump sum explained clearly. Compare tax, flexibility, longevity risk and when each option may make sense.
Full guide to account based pension minimum drawdown rates for 2025–26, including percentages by age, pro-rata rules and what happens if you miss the minimum.
Clear guide to how an account based pension works in Australia, including tax, minimum drawdowns, transfer balance cap and Age Pension impact.
Learn how salary sacrifice works with a transition to retirement pension, including contribution caps, tax impact and when the strategy makes sense.
Learn what happens to a transition to retirement pension at age 65, including retirement phase rules, tax changes, and removal of the 10 percent cap.
Learn the common transition to retirement mistakes, when a TTR strategy backfires, and how to avoid reducing your super unnecessarily.
Yes, you can work full time with a transition to retirement pension. Learn the rules, limits, tax impact and when it makes sense.
Understand how tax works on a transition to retirement pension, including earnings tax, payments before and after 60, and retirement phase rules.
Understand the minimum and maximum withdrawal rules for a transition to retirement pension, including the 10 percent cap and pro rata requirements.
Learn how paying Division 293 from super works, including the 60 day election window, due dates, and pros and cons compared to paying personally.
Division 293 cannot usually be avoided, but some choices affect when and how it applies. Learn what you can and cannot control in Australia.
Estimate Division 293 tax using the $250,000 threshold. See how income and concessional contributions interact and what happens if you’re just over.
Division 293 income is not just salary. Learn what the ATO includes, why one off events matter, and common reasons assessments surprise people.
Division 293 tax applies when your income plus concessional contributions exceeds $250,000. Learn how it works, examples, and your payment options.
Defined benefit members face different Division 293 rules. Learn how notional contributions work, why tax can be deferred, and when it is paid.
A clear, neutral look at Division 293 tax. Who pays it, why it exists, how many Australians are affected, and the fairness debate.
A clear guide to retirement planning in Australia for the next 5–10 years. Income over balances, super structure, the Age Pension, investment risk, and practical steps—without the hype.
Learn how a transition to retirement pension works in Australia, including rules, tax treatment, drawdown limits, and when a TTR strategy makes sense.
2025–26 guide to the super co-contribution, including $47,488 and $62,488 thresholds, eligibility rules, taper rates, and how to receive up to $500.
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