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Retirement Planning and Superannuation

Getting Retirement Plans Back On Track
Business

Getting Retirement Plans Back On Track

After a year when even the best laid plans have been put on hold due to COVID-19, people who were planning to retire soon may be having second thoughts. You may be concerned about a drop in your super balance, insecure work, or an uncertain investment outlook. Whatever your circumstances, […]

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There’s more than one way to boost retirement income
Business

There’s more than one way to boost retirement income

After spending their working life building retirement savings, many retirees are often reluctant to eat into their “nest egg” too quickly. This is understandable, given that we are living longer than previous generations and may need to pay for aged care and health costs later in life. But this cautious […]

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Tax-effective ways to boost your super
Financial Planning

Tax-effective ways to boost your super

After a year when the average superannuation balance fell slightly or, at best, moved sideways, the summer holidays could be a good opportunity to think about ways to rebuild your savings while being mindful of tax. With the Reserve Bank reducing interest rates to record lows and not anticipating a […]

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Five tips for a better retirement
Retirement

Five tips for a better retirement

Retirement is an exciting time. It’s the long-awaited reward for a lifetime of work and, if you’ve planned it correctly, it heralds a life stage synonymous with relaxation and enjoyment. However, to make sure your retirement is everything you’d hoped for, it’s crucial to make smart decisions to help you […]

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Big Four Banks and QSuper leaving the party?
Retirement Planning and Superannuation

Big Four Banks and QSuper leaving the party?

2020 has been a year like no other. A global pandemic, Australia’s first recession in nearly 30 years, record low interest rates, volatility in both shares and property markets, and even job security is coming into question. For retirees it can be a very daunting process.    The Big Four […]

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2020 Guide to Retirement Planning
Retirement Planning and Superannuation

2020 Guide to Retirement Planning

Retirement planning is certainly not an easy topic to discuss and understand. The goal of this guide is to help you develop a framework so that you can ask yourself the right questions and understand some of the numbers involved in making your retirement a great one.

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Getting retirement plans back on track
Retirement

Getting retirement plans back on track

After a year when even the best laid plans have been put on hold due to COVID-19, people who were planning to retire soon may be having second thoughts. You may be concerned about a drop in your super balance, insecure work, or an uncertain investment outlook. Whatever your circumstances, […]

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Balancing wealth and happiness
Finances

Balancing wealth and happiness

It can at times seem like life is a seesaw of logic and emotion. If you believe by emotion, then no amount of reason can talk you out of how you feel. It’s how some fall prey to a life of worry, frustration and disappointment. But if you stay focused […]

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Super changes add flexibility
Coronavirus

Super changes add flexibility

Just when you thought you had a grip on the superannuation rules, they change again. This time though, the changes are mostly positive, especially for older super members keen to top up their savings. From 1 July 2020, changes came into effect with the potential to help retirees as well […]

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A baby boomer’s retirement path
Retirement Planning and Superannuation

A baby boomer’s retirement path

Baby boomers are born consumers and love choice. For those unsure, a baby boomer is generally defined as those born just after World War II – 1946 to 1964. During these years, the number of babies born in most western nations, including Australia, was staggering.  Today, around 20% of Australia’s […]

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Family trusts under ATO scrutiny
Financial Planning

Family trusts under ATO scrutiny

Family trusts have stood the test of time as a means of protecting family and business wealth, and managing the distribution of trust income in a tax-effective way. But the misuse of these tax benefits by a small minority periodically puts trusts in the firing line of the Australian Taxation […]

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9 retirement planning myths debunked
Retirement

9 retirement planning myths debunked

We’ve all read internet fake news and passed down family stories about common retirement “rules of thumb”. Google the word “retirement” and you’ll get 748,000,000 results in 0.65 seconds. It’s no wonder there’s so much confusion. There’s rarely a one-size-fits-all solution to planning for retirement. So, don’t buy into the […]

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Starting over: how to bounce back after 60
Uncategorised

Starting over: how to bounce back after 60

Have you ever gone through a major life event that forced you to start again? For some, it’s a scary time filled with change, anxiety and confusion. But it doesn’t have to be that way. You’re human and starting over is not something you have to do alone. That’s what […]

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Keeping the economy moving
Coronavirus

Keeping the economy moving

The Morrison Government’s mind-bogglingly large support packages to get Australians through the COVID-19 shutdown have dominated headlines, and rightly so. Only months ago, the Australian economy was in relatively good shape and headed for a Budget surplus. It’s not just the Government that has swung into action. Behind the scenes, […]

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Temporary Access to Super
Superannuation

Temporary Access to Super

As part of the measures taken by the government to support those impacted by COVID-19 some people will be able to access up to $10,000 of their super between now and 1 July 2020, with a further $10,000 in the first three months of the 2020-21 financial year, tax Complimentary. […]

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Economic Stimulus Package – What it means for self-funded retirees
Coronavirus

Economic Stimulus Package – What it means for self-funded retirees

Federal Government’s second support package announced on March 22 offered assistance for self-funded retirees. Minimum drawdown rates for account-based pensions and similar products will be halved for the 2020 and 2021 financial years. This means retirees will be under less pressure to sell shares or other pension assets in a […]

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Women and Money: Seize the day!
Finances

Women and Money: Seize the day!

As the world celebrates International Women’s Day and all that women have achieved, it’s a good opportunity to take stock. Women have undoubtedly come a long way in terms of workplace participation, equal pay and financial independence, but there is still some way to go.  These days, women make up […]

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The Australian retirement system – good, but room for improvement
Retirement Planning and Superannuation

The Australian retirement system – good, but room for improvement

You could be forgiven for thinking Australia’s superannuation system is a mess. Depending who you talk to, fees are too high, super funds lack transparency and Governments of all political persuasions should stop tinkering. Yet according to the latest global assessment, Australia’s overall retirement system is not just super, it’s […]

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How much super is enough?
Retirement Planning and Superannuation

How much super is enough?

Most of us dream of the day we can stop working and start ticking off our bucket list. Whether you dream of cruising Alaska, watching the sun rise over Uluru, improving your golf handicap or spending time with the grandkids, superannuation is likely to be a major source of your […]

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Can you afford your dream retirement
Retirement Planning and Superannuation

Can you afford your dream retirement

Planning your dream retirement can be an exciting time. The chance to travel overseas or around Australia without having to rush back to work, time to pursue new hobbies, learn a language or spend time with the grandkids. The possibilities are endless, but what will it cost? Working out how […]

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Benefits of a super long engagement
Retirement Planning and Superannuation

Benefits of a super long engagement

Superannuation is a long-term financial relationship. It begins with our first job, grows during our working life and hopefully supports us through our old age.

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Young invincibles – the importance of insurance
Retirement Planning and Superannuation

Young invincibles – the importance of insurance

When you are young, healthy and just starting your working life the last thing on your mind is life insurance. In your 20s and 30s your financial focus is more likely to be on saving for a car, holidays, a home or the birth of a child. But failing to […]

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Super and inheritance: making your wishes known
Estate Planning

Super and inheritance: making your wishes known

People often think their superannuation will be treated as part of their estate when they die and distributed according to their Will, but that’s not the case. Unless you have nominated your beneficiaries, the decision as to who receives your super is in the hands of the trustees of your […]

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Budget changes support a brighter retirement
Retirement Planning and Superannuation

Budget changes support a brighter retirement

With tax cuts grabbing most of the attention in the May 2018 Budget, some quiet tweaks to superannuation and retirement income were drowned out in all the noise. But these small changes could have a big effect on the amount of money that ends up in your nest egg when […]

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Ready…set… Are you good to go for the new financial year?
Retirement Planning and Superannuation

Ready…set… Are you good to go for the new financial year?

The end of the financial year is the cue for most of us to look at our financial position heading into tax time. Hopefully you’ve made progress towards your goals. But if you find that your expenses are trending higher than you’d like or—shock, horror!—higher than your income, this could […]

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Closing the super gap
Retirement Planning and Superannuation

Closing the super gap

Gender politics has been in the headlines a lot lately. Whether you’re talking about the Women’s March, celebrity scandals or the latest pay gap numbers, gender equality is an unavoidable topic.

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Franking dividends facing the chop
Retirement Planning and Superannuation

Franking dividends facing the chop

Here we go again. Superannuation could be about to undergo more change with the federal opposition announcing it will end cash refunds of franking credits on share dividends if it wins the next election. The change would have a significant impact on people paying little or no tax, especially self-funded […]

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Home and away with super
Retirement Planning and Superannuation

Home and away with super

Australians buying their first home or downsizing in retirement are about to receive a helping hand thanks to new superannuation rules which come into effect on July 1. From that date, first home buyers will be able to contribute up to $30,000 into their super fund towards a home deposit […]

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Transition to retirement – Still a smart move
Retirement Planning and Superannuation

Transition to retirement – Still a smart move

They say 60 is the new 40. And while it’s true that today’s over-50s are healthy and active for longer than previous generations, many in this position begin to dream about scaling back their work commitments so they can start ticking off their bucket list.

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Homing in on a happy retirement
Retirement Planning and Superannuation

Homing in on a happy retirement

Owning your own home has long been the Australian dream but after years of strong house price growth it’s becoming less of a reality for many. This has major implications for retirement planning.

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The information provided on and made available through this website does not constitute financial product advice. The information is of a general nature only and does not take into account your individual objectives, financial situation or needs. It should not be used, relied upon, or treated as a substitute for specific professional advice. We recommend that you obtain your own independent professional advice before making any decision in relation to your particular requirements or circumstances. Centaur Financial Services do not warrant the accuracy, completeness or currency of the information provided on and made available through this website. Past performance of any product discussed on this website is not indicative of future performance.

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