Age Pension age in Australia is 67. You can claim from the day you reach it, provided you also meet the residence rules and pass the income and assets tests. Reaching 67 is the entry requirement, not an automatic entitlement, and the claim is not made for you.
The 4% rule is an American guideline from the 1990s that says you can withdraw 4% of your balance in year one and adjust for inflation after that. It is a useful starting reference for Australians, but it was built on US assumptions and it ignores the Age Pension, which changes the...
You know what you're paying to run your retirement income, in dollars, not just percentages. You've checked it against what a comparable option would cost. You've decided whether the difference is worth it, and you've moved on with your life. No nagging sense that something is quietly...
Picture a year where the market has a bad run and you already know what it means for your spending. Not a guess. Not a sleepless fortnight. A number, and a reason for it.
It doesn't look like a spreadsheet. It looks like a Tuesday.
Leaving your super where it sat during your working life feels like the safe option. It is not a decision to do nothing. It is a decision to keep a strategy built for a completely different job.
How long your super lasts depends on how much you spend, investment returns, inflation, and whether you'll also get some Age Pension along the way. It's a handful of scenarios worth testing before you settle on a spending plan.
A simple, repeatable process for retirement spending, split essentials from extras, test more than one market scenario, and set a floor and ceiling you can trust.