The Wealth Guide Podcast
Welcome to The Wealth Guide Podcast, where we discuss and explore ways of helping individuals and businesses achieve their financial goals.
Discover a plethora of knowledge in each episode from our hosts, and industry guest speakers and gain deeper insights and tools to help you make the right choice for a brighter future.
Disclaimer: The information provided in this podcast is for general purposes only and should not be considered personal advice. Always consult with qualified professionals or experts in the relevant field for personalised advice tailored to your specific situation.
The Wealth Guide Podcast is proudly brought to you by Ryker Capital.
The Wealth Guide Podcast
What Really Happens to Your Super When You Retire? | Ep. 54
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In this episode of The Wealth Guide Podcast, host Malissa Vourakis is joined by the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey to tackle one of the biggest questions Australians face: what really happens to your super when you retire?
They unpack the difference between the accumulation and pension phases, the tax advantages of each, and why transitioning into retirement often matters more than the retirement date itself. You’ll discover how contribution caps work (and why exceeding them can trigger a 45% tax bill), the hidden insurance risks of rolling over your super without advice, and how Transition to Retirement (TTR) strategies can help you cut back on work without cutting back your lifestyle.
The team also busts myths about the age pension, explains how your assets and income affect eligibility, and shows how even small, smart moves early in your career can add hundreds of thousands to your retirement balance. Packed with relatable client stories, easy-to-follow analogies, and practical strategies, this episode proves super is far more than a savings account, it’s the engine that powers your future lifestyle.
If you want to make the most of your super, avoid costly mistakes, and create income you can rely on for life, this is the episode for you.
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SHOW NOTES LINKS
https://www.linkedin.com/in/dean-desoukey/
https://www.linkedin.com/in/jackoineza/
https://www.linkedin.com/in/malissa-vourakis-79066a67/
https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/
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TIME STAMPS:
00:00 – Intro
00:51 – Practical Insights for Different Life Stages
03:20 – Understanding Super Accumulation and Pension Phases
06:56 – Tax Implications of Super in Accumulation vs Pension Phase
10:18 – Contribution Limits and Avoiding Excess Contribution