Life moment
Retiring
Super, pensions and the next chapter. Here's what to read and work out, in the order that helps most.
Your reading list
Aged care basics
How to get aged care through My Aged Care, what changed under the 2025 reforms, and how home care and aged care home costs work.
2Estate planning: wills, powers of attorney and super
Why everyone needs a will, how powers of attorney work, and how to make sure your super goes where you want it to.
3How much do you need to retire?
Use the ASFA Retirement Standard and your own spending to work out a realistic retirement budget and super target.
4When and how you can access your super
Preservation age, the conditions of release, transition to retirement and the choice between a lump sum and an income stream.
5Turning super into a retirement income
How account-based pensions work, the minimum amounts you must draw each year, the transfer balance cap and other income options.
6The Age Pension explained
Who can get the Age Pension, how much it pays, and how the income test, assets test, deeming and Work Bonus work.
7Spotting and avoiding scams
How common scams work, the warning signs to look for, the new scam protection laws, and exactly what to do if you've been scammed.
8Managed funds and investment fees
How managed funds pool your money, the fees you might pay, and why a small percentage can make a big difference over time.
9Investment scams, finfluencers and getting real advice
Spot investment scams, judge money tips on social media, and check that a financial adviser is licensed before you pay for advice.
10Self-managed super funds: is an SMSF right for you?
What running your own super fund involves, what it costs in time and money, and questions to ask before you start.
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