Strategies for an unexpected retirement
September 6, 2025
The best time to start planning for retirement is yesterday. But the second-best time? Today. About two-thirds of Australians retire earlier than they anticipated because of unexpected events such as job loss or redundancy, they need to care for a family member, have a sudden illness or injury, problems at work or a partner’s decision…
Planning is key as SMSFs enter new phase
August 4, 2025
Self-managed superannuation funds (SMSFs) have long been associated with older Australians and small business owners looking for greater control over their retirement savings. But recent data suggests the sector is undergoing a quiet transformation. Alongside tax reforms and persistent compliance challenges, younger people are slowly moving into the SMSF space. While 85 per cent of…
How the $3m super tax may affect you (and what to do next)
June 4, 2025
As the federal government moves to introduce a new 15 per cent tax on superannuation earnings above $3 million (known as Division 296 tax), concerns and debates have emerged about the broader implications for investment strategies, retirement planning, and even the property market. It is intended that once passed by Parliament, the new tax –…
Turbocharge your super before 30 June
March 6, 2025
More than half of us set a new financial goal at the beginning of 2025, according to ASIC’s Moneysmart website. While most financial goals include saving money and paying down debts, superannuation should also be factored in as part of your overall saving strategy. The months leading up to 30 June provide an opportunity…
How to financially ease into retirement
February 7, 2025
Deciding when to retire is a big decision and even more difficult if you are concerned about your retirement income. The average age of Australia’s 4.2 million retirees is 56.9 years but many people leave it a little later to finish work with most intending to retire at just over 65 years.i If you’re not…
You may be owed money. Here’s how to check
January 15, 2025
Holidays and gift giving can leave you a little short of cash so it might be cheering to learn that billions of dollars is being held by various government agencies just waiting to be claimed by the rightful owners. The biggest pot is lost superannuation. The Australian Taxation Office (ATO) is holding more than $17.8…
Super vs property: what works for retirement income?
November 14, 2024
There is no debate that Australians love investing in property. The value of Australian residential real estate at the end of August 2024 was an estimated $10.95 trillion.i Some love it so much that they believe property is a better option for providing a retirement income. They see a bricks and mortar investment as a…
Preparing your SMSF for the future
August 1, 2024
What happens to a self managed super fund (SMSF) when a trustee dies or becomes mentally impaired? While these are circumstances that many of us would rather not think about, some time spent planning now could make a big difference to you and your family later. Australia’s 620,000 SMSFs hold an estimated $933 billion in…
Transitioning into retirement: What you should know | Vanguard
June 10, 2024
By Tony Kaye, Senior Personal Finance Writer Deciding on your retirement funding options comes down to personal choice. If you’re close to retirement, chances are you’ve already spent time thinking about how to tap into your superannuation when you retire. Broadly speaking, you have a few options when you retire, as long as you’ve reached…
Smart Super Strategies & EOFY Cut-Off Dates for SuperSMA
June 3, 2024
The lead-up to 30 June can be a good time to maximise tax benefits that may be available to you inside super. With June 30 fast approaching, it’s time to start thinking about your super for another year. Our good friends at MLC have put together a plethora of useful End of Financial Year (EOFY) resources to help…
How to end the financial year on a high note
June 3, 2024
As the financial year draws to a close, it’s the perfect time to review your financial affairs and set the stage for a successful new financial year. By taking care of essential tasks and implementing strategic planning, you can position yourself for a smooth transition and a strong start for the year to come. Topping…
‘Sell in May and go away’ – fact or fiction? | The Money Puzzle – Hugh Robertson
May 13, 2024
Hugh Robertson was invited to join James Kirby on the Money Puzzle Podcast which covers all the important property, business, money and finance news. This episode covers: You can catch this episode here.
SMSFs: What happens if you exceed your super caps
February 9, 2024
The rules around making some types of super contributions have been relaxed in recent years, so it’s worth exploring the different opportunities available to you before making a large contribution.i What are contribution caps? Given the tax-effective environment of Australia’s super system, there are annual limits on how much you can contribute each financial year….
How will you use your super?
January 12, 2024
We spend decades watching our super balances grow but for those thinking about retirement in the next few years, it can be confusing to work out how best to use your super. Here are some of the considerations for the popular options. Easing into retirement You can keep working and receive regular payments from your…
the PODCAST – FAQs 3.0 | Episode 11
November 23, 2023
Centaur Financial Services is delighted to share with you our podcast series with new podcast episodes dropping frequently. You can catch the latest episode on Spotify or YouTube called: the PODCAST – FAQs 3.0 | Episode 11. Episode 11 has our Financial Advisers – Nick Georgopoulos and Bobby Byrne answering some of our more pressing…
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