The Retirement School
Are you 5-10 years out from retirement in Australia or are you ready right now to take the plunge into retirement? Perhaps you have already retired but aren’t sure if you’ve optimised your finances to get the best mix of enjoying life now and longevity of your funds. The Retirement School takes you through a step by step guide of everything you need to know about money in retirement. It covers topics from superannuation through to retirement income, age pension, downsizing and making sure you estate planning is in order. This is a 12 part series which you can learn at your own pace. We include action plans for each topic and useful links and other resources to help you personalise your retirement journey from a financial perspective.
Episodes
13 episodes
Topic Twelve: Estate Planning
Retirement is a significant life event and an important time to review your estate planning documents to ensure they are up to date and in line with your changed circumstances and wishes. In this episode we look at some of the key documents you...
Topic Eleven: Aged Care
While it is hopefully some time before you need to make any decisions about your high care needs, we think it's worthwhile understanding the options and the financial impact of a move to aged care so you can consider this in your retirement fun...
Topic Ten: Retirement Accommodation Options
As part of your retirement planning you may be considering where you want to live - perhaps you are considering a tree or sea change? Maybe addressing health needs or unlocking some of the capital you have invested in a family home are prioriti...
Topic Nine: Employment Matters
Making the huge decision to retire and stop work immediately might be daunting for some people. Maybe you want to transition to retirement by moving to part time or casual work. Or you are finishing altogether and you want to know what steps to...
Topic Eight: Retirement Income Calculators
In this episode I talk you through how long your retirement income might last you by working your details through the Moneysmart tool. Even if you choose not to use the tool yourself, this episode will help with guidance in terms of what inform...
Topic Seven: Retirement Income Needs
For most people about to retire I'm sure the primary questions in the front of your mind are “But how do I work out how much retirement income I need and/or can I afford to retire?”. In this episode I explore the ways you can determi...
Topic six: Centrelink including the age pension
Many retirees look to get income from a number of sources including from their super fund and outside assets and income. Many might also be hopeful to supplement their income with government support through Centrelink payments like the age pens...
Topic Five: Investments Outside Super
Some people prefer to hold some or all of their money outside super either because they like to have their money spread around, or they weren’t able to get all their money in super, or they want an early retirement and to be able to access fund...
Topic Four: Superannuation - Retirement Income Accounts
In this topic we discuss the two main superannuation accounts available to you: Accumulation and Retirement Income Accounts and the key differences and benefits of each. We also discuss some of the features of retirement income accounts includi...
Topic Three: Superannuation - Insurance
In this topic we discuss the personal insurance you may have in your superannuation account and what it covers you for. We also look at some of the features of insurance which include: age limits, pre existing medical conditions, duplication of...
Topic Two: Superannuation - Contributions
Contributing to super can make the most significant difference to your retirement savings. In this topic we discuss the rules around contributing to super including the different limits for before and after tax contributions, how salary sacrifi...
Topic One: Superannuation - Investment options
Choosing an investment option for your super can have a significant impact on your retirement savings over time. In this topic we explore how you work out what investment option might be suitable for you and how to determine if that needs to ch...