Podcasts about age pension

Nhiều người tin rằng 'ra khỏi Úc là bị cắt ngay tiền già, trong khi người khác lại cho rằng 'đó là tiền của mình, muốn sống đâu cũng được'. Sự thật nằm ở đâu giữa những lời truyền miệng ấy? Tiết mục 'Cơm áo gạo tiền' làm rõ từng mốc thời gian, từng điều kiện pháp lý của Age Pension để giúp bạn hiểu đúng trước khi đưa ra quyết định quan trọng cho tuổi về hưu.

For decades, the assumption was simple: by the time Australians reached retirement, the mortgage was gone. But that reality is changing fast.Today, more than half of Australians approaching retirement still carry housing debt—and it's reshaping how households think about superannuation, the Age Pension, and the role of the family home.In this episode, Veronica and Chris sit down with retirement specialist Harry Chemay to unpack the growing debt burden among pre-retirees and what it means for the next generation of retirees. They explore why the traditional “pay off the home before retirement” rule is breaking down, how rising property prices and refinancing behaviour have changed the way Australians use housing equity, and why more people are drawing down their super simply to clear their mortgage.Harry explains the financial trade-offs between paying off your mortgage versus preserving superannuation, and why this decision can dramatically affect long-term retirement cash flow. The conversation also dives into reverse mortgages, equity release strategies, the Age Pension means test, and why downsizing isn't always the straightforward solution many assume it to be.This episode challenges long-held assumptions about debt in retirement and highlights the need for better coordination between financial advisers, mortgage brokers, and retirement planners. Because in today's housing market, the biggest asset most Australians own—the family home—may also be the key to making retirement work.Episode Highlights01:13 – Meet Harry Chemay: Retirement and Wealth Strategy Expert01:55 – From Robo Advice Startup to Retirement Strategy Specialist03:33 – Why More Australians Are Reaching Retirement With Mortgages08:46 – Generational Shifts, Lifestyle Choices and Mortgage Refinancing10:36 – Why Retirees Are Using Super Withdrawals to Clear Housing Debt25:14 – The Trade-Off: Paying Off Your Mortgage vs Preserving Super26:22 – A Simple Cashflow Test for Retirees Carrying Mortgage Debt27:17 – Case Study: Super Withdrawal vs Equity Release Outcomes29:17 – Will Banks Start Lending More to Retirees and Older Borrowers?32:07 – Australia's $12 Trillion Housing Wealth Reality Explained38:55 – Downsizing vs Aging in Place: The Retirement Housing Debate42:04 – The Rise of New Retirement Living and Lifestyle Developments43:31 – Rising Homeownership Costs and Why Early Planning Matters46:20 – Rethinking Retirement Living: Building Your Own Community47:37 – A Real Family Story of Moving Parents Later in Life49:08 – Why Retirement Planning Needs a Holistic Advice Team52:12 – Final Takeaways on Retirement Debt, Super and HousingLinksThe growing debt burden of retiring AustraliansAbout the GuestHarry Chemay is a retirement and wealth specialist with nearly three decades of experience across financial planning, wealth management, asset consulting, fintech, and superannuation product design. His work focuses on the decumulation phase of retirement, helping individuals and institutions design strategies that turn accumulated wealth into sustainable retirement income.Throughout his career, Harry has worked with major financial institutions including KPMG Financial Services, Colonial (State Bank of NSW / CBA), Mercer, and Howarth Financial Services. He was also a co-founder of the fintech platform Clover, one of Australia's early robo-advice ventures designed to help younger Australians build wealth and save for their first home.Harry holds a Bachelor of Business in Banking and Finance from Monash University, a Graduate Diploma in Applied Finance and Investments (FINSIA), and a Graduate Certificate in Self-Managed Super Funds from the University of Adelaide. He has also previously held the Certified Financial Planner (CFP) and Certified Investment Management Analyst (CIMA) designations.His current work focuses on retirement income strategies and the evolving role of housing wealth in Australia's retirement system.Connect with HarryLinkedInLumisara (website)ResourcesVisit our website: https://www.theelephantintheroom.com.auIf you have any questions or would like to be featured on our show, contact us at:The Elephant in the Room Property Podcast - questions@theelephantintheroom.com.auLooking for a Sydney Buyers Agent? https://www.gooddeeds.com.auWork with Veronica: https://www.veronicamorgan.com.auLooking for a Mortgage Broker? alcove.com.auWork with Chris: chrisbates@alcove.com.auEnjoyed the podcast? Don't miss out on what's yet to come! Hit that subscription button, spread the word, and join us for more insightful discussions in real estate. Your journey starts now!Subscribe on YouTube: https://www.youtube.com/@theelephantintheroom-podcastSubscribe on Apple Podcasts: https://podcasts.apple.com/ph/podcast/the-elephant-in-the-room-property-podcast/id1384822719Subscribe on Spotify: https://open.spotify.com/show/3Ge1626dgnmK0RyKPcXHarry0?si=26cde394fa854765If you enjoyed today's podcast, don't forget to subscribe, rate, and share the show! There's more to come, so we hope to have you along with us on this journey!See you on the inside,Veronica & Chris

Pension indexation day is approaching on March 20. This is when your Age Pension payment will be adjusted to account for changes in inflation.  

Nhiều người Úc gốc Việt ấp ủ kế hoạch trở về Việt Nam sinh sống lâu dài sau khi nghỉ hưu. Chi phí sinh hoạt thấp hơn, gần gũi gia đình, văn hóa quen thuộc, tất cả đều là những yếu tố hấp dẫn. Tuy nhiên, câu hỏi lớn nhất vẫn là: Age Pension có tiếp tục được trả khi sống tại Việt Nam hay không, và nếu có thì được bao nhiêu?

A listener asked about Gen X retirees who won't qualify for the age pension—how much super do you actually need to fund retirement? Glen James and Martin McGrath unpack the numbers, the psychology of spending, and why enjoying your money matters as much as saving it.This audio is from a clip on the money money money YouTube channel: https://youtu.be/3fvIKEWUjUAIf you'd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth break down the complete landscape of retirement income in Australia. One of the most common questions financial advisers hear is: "Where will my income actually come from in retirement?" The answer isn't simple—and that's actually a good thing. The most successful retirees don't rely on a single income source; they strategically combine multiple streams to create flexibility, tax efficiency, and security. Drew and James walk through the five main sources of retirement income: allocated pensions from your super, the Age Pension, investment income from shares and property, term deposits and savings accounts, and annuities. They explain how each works, the pros and cons of different strategies, and why having multiple income sources is crucial for managing risk and maintaining lifestyle throughout retirement. They also tackle a big question: Is property really the right asset for retirement income? The answer might surprise you. If you like this Australian Retirement Podcast episode on retirement income strategies, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today: - Allocated Pensions: Converting your super into regular income - Why starting an allocated pension is often a "no-brainer" decision - Understanding minimum drawdown requirements and tax benefits - The Age Pension: Why over 90% of retirees receive it - Investment income: Shares, dividends, and franking credits - Property income in retirement: Is it the right choice? - Annuities explained: Guaranteed income with trade-offs - Why combination is key: Asset allocation and opportunity cost - The importance of liquidity in retirement Resources for this episode Centrelink AP Back to basics ep 2 Pension w Justin Bott Pension w Justin Bott (2) Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

When should you start planning your retirement? Ideally in your 20s and 30s when you first start putting money into super, but for most Australians, the real planning doesn't begin until their 50s. In this clip, Glen James chats with Justin Bott from Services Australia about when to start thinking about retirement, superannuation and the age pension.You can contact the Financial Information Service on 132 300, ask for Financial Information Service or learn more at https://www.servicesaustralia.gov.au/financial-information-serviceFree Financial Information webinars here: https://www.servicesaustralia.gov.au/financial-information-service-live-webinarsThis audio is from a clip on the money money money YouTube channel: https://youtu.be/h-mcFqNR7YoIf you'd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/

In this clip Glen James and Justin Bott from Services Australian outline the 3 pillars of retirement income in Australia, and how the age pension fits into that.This audio is from a clip on the money money money YouTube channel: https://youtu.be/5iek6CBd4aMIf you'd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/

Thinking about working past age 67 and worried about how it impacts your age pension? In this clip Glen James and Martin McGrath break down the work bonus, what it means for your income, and why lifestyle often matters more than a few extra dollars.This audio is from a clip on the money money money YouTube channel: https://youtu.be/3sGmzzWKQggIf you'd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/

In your 60s? Now's the time to plan ahead for retirement and maximise your Age Pension entitlement. In this clip, Glen James and Martin McGrath break down what steps you can take before turning 67 to get the most out of Centrelink, from gifting rules and super strategies to timing your long service leave and planning big lifestyle spends.This audio is from a clip on the money money money YouTube channel: https://youtu.be/SOx4ju9hdGkIf you'd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 21 November 2025. The topic for this week is the Centrelink Asset Test. This test is one of two tests or assessments that Centrelink will do around assessing your eligibility for government aged pension income benefits. The other test […]

If you're in your 70s and on the age pension, this clip is all about making the most of it. Glen James and financial adviser Martin McGrath unpack strategies like gifting, using funeral bonds, and how lifetime annuities are assessed by Centrelink. Whether you're after extra cash flow or peace of mind for your family, these small wins can add up.This audio is from a clip on the money money money YouTube channel: https://youtu.be/E7hBXcSJKD8If you'd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/

Ever wondered when you should really start planning for retirement? For many, the light bulb moment hits around 50. But as hosts Josh van Gestel and Ruth Weaver reveal, the best time to start is long before that.    In this episode of Super Insider, we dive deep into what “transition to retirement” really means. From navigating super, pension and part-time work, to finding the right investment mix and having those all-important conversations with your partner. Whether you're in your 30s, 40s or gearing up for the next chapter, this episode will help you feel informed, empowered and ready to take control of your retirement journey.    Tune in to learn:  02:00 – Josh's light bulb moment at age 50  04:00 – Why retirement planning should start earlier   07:00 – How the Age Pension can fit into your overall plan  10:59 – Talking about retirement goals with your partner  12:15 – Three powerful levers to improve your retirement outcome  16:05 – How your investment approach changes as you age  19:28 – Understanding your risk profile   21:55 – Next steps: where to go for help and the role of financial advice   

In this episode Dave and Hayden explore two real-life case studies.First, they discuss whether a couple in their fifties truly needs 25 times their expenses to retire, unpacking how time horizon, risk and the Age Pension reshape the “magic number.”Then, they dive into a pay down the mortgage or invest in ETFs dilemma, weighing certainty versus growth, and the benefits of debt recycling.All round, this episode is a chat about tailoring financial independence to your stage of life, goals and mindset.FI Case Study Request FormPearlerStrong Money AustraliaOriginal Aussie FIRE e-bookStrong Money Australia's audiobookDisclaimerAny advice is general and does not consider your financial situation needs, or objectives, so consider whether it's appropriate for you. You should also consider seeking professional advice before making any financial decision.Pearler is an Authorised Representative #1281540 of Sanlam Private Wealth Pty Ltd AFSL #337927. Read the FSG available from https://pearler.com/financial-services-guideIf you are considering any of the products we spoke about during the show, be sure to read the Product Disclosure Statement & Target Market Determination available from the product issuer's website before deciding.Hosted on Acast. See acast.com/privacy for more information. Hosted on Acast. See acast.com/privacy for more information.

ก่อนตัดสินใจเก็บกระเป๋าย้ายไปอาศัยต่างประเทศหลังเกษียณ มาดูรายระเอียดว่าคุณมีสิทธิได้รับบำนาญผู้สูงอายุ (Age Pension) แม้อาศัยในต่างประเทศหรือไม่ พร้อมรายละเอียดการแจ้งข้อมูลสำคัญกับรัฐบาลออสเตรเลียก่อนเดินทาง

It's the Australian Retirement Podcast's first birthday! Drew Meredith and James O'Reilly look back on a huge year of markets, headlines, and retirement conversations — from Div 296 and global tariffs to the AI investment boom, Japan ending negative rates, and what the return of Trump could mean for investors. They also answer your most-asked retirement questions: how age gaps affect Age Pension eligibility, what late starters can do to catch up on super, and whether to invest inside or outside super after paying off the home early. Whether you're 45 or 65, this episode is packed with practical lessons from 60 episodes, 170K listeners and a year of helping Australians retire with confidence. In this episode we cover: – One year of ARP: 60 episodes, 170K listens, 200K YouTube views and what we've learned – Market wrap: Div 296, tariffs, AI boom, Japan and Trump's return yet returns remained robust – How age gaps affect Age Pension eligibility – Catch-up strategies for late starters with low super – Super vs non-super investing after paying off the home Resources for this episode Ask a question (select the Retirement podcast) Visit TermPlus to learn more Rask Resources All services Financial Planning Invest with us Access Show Notes Ask a question We love feedback! Follow us on social media: Instagram: @rask.invest TikTok: @rask.invest DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): Learn more about your ad choices. Visit megaphone.fm/adchoices

If you receive Centrelink payments, you must report any change of circumstances within 14 days or risk overpayments and debt. In this clip Justin Bott from Services Australian and Glen James explain what counts as a change, what happens if you don't update in time, and how Services Australia handles repayments.This audio is from a clip on the money money money YouTube channel: https://youtu.be/DUl3X6fZLhYIf you'd like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-helpSign up to the Retire Right newsletter here: https://email.retireright.com.au/

In this episode of the Australian Retirement Podcast, Drew Meredith and James O'Reilly break down the latest retirement news and what it means for you. They discuss upcoming Age Pension changes, including updates to deeming rules and payment increases, and how these may affect retirees' cash flow and eligibility. The conversation also tackles the fallout from the collapse of Dixon Advisory, what it says about conflicts of interest in financial advice, and the cancellation of the government's inquiry into the failed business. Finally, Drew and James share their views on what to watch for when selecting an adviser — from marketing tactics and “low-cost” options to ensuring you're getting real value and trusted guidance. Topics covered today: Age Pension changes: deeming rules and payment increasesWhat the Dixon collapse means for retirees and advisersThe cancelled government inquiry into adviceChoosing the right adviser: marketing, cost and quality Resources for this episode Ask a question (select the Retirement podcast): https://bit.ly/R-quest  Age Pension updates https://www.servicesaustralia.gov.au/how-much-age-pension-you-can-get?context=22526  Rask Resources All services: https://bit.ly/R-services Financial Planning: https://bit.ly/R-plan  Invest with us: https://bit.ly/R-invest  Access Show Notes: https://bit.ly/R-notes  Ask a question: https://bit.ly/R-quest  DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

In this Australian Retirement Podcast episode, your co-host James O'Reilly, from Northeast Wealth, talks again with Centrelink guru, Justin Bott from Services Australia. Together they cover the clever steps that can mean a heap more Age Pension, as well as the critical mistakes that Aussies make which reduce - and sometimes completely eliminate - their entitlement. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Topics covered today - Using ‘exempt assets' to boost your Age Pension payment - Declaring super balances in downturns - Is it worth chasing the Health Care Card? - Advanced strategies for Gifting money - Using the Work bonus to earn more money without impacting your entitlement - Valuing your home contents / cars correctly - Declaring changes at the right frequency - How relationship changes can decimate your Pension Resources for this episode - Visit TermPlus to learn more - Learn more about PIMCO - Services Australia website - Financial Information Service - When a self-funded retirement seems impossible - Redbook car valuation tool - Ask a question (select the Retirement podcast) Rask Resources - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

Stephanie Youssef speaks with Omkar Joshi from Opal Capital Management for the day's sharemarket news, including whether AI is in bubble territory, while SBS Finance Editor Ricardo Gonçalves goes through the upcoming age pension changes with Joshua Parisotto from HESTA.

Stephanie Youssef speaks with Omkar Joshi from Opal Capital Management for the day's sharemarket news, including whether AI is in bubble territory, while SBS Finance Editor Ricardo Gonçalves goes through the upcoming age pension changes with Joshua Parisotto from HESTA.

In this Australian Retirement Podcast episode, your co-host James O'Reilly, from Northeast Wealth, talks with Centrelink guru, Justin Bott from Services Australia.  Together they tackle the complex realm that is Age Pension, and outline ways that you can get the highest benefit possible. If you like this Australian Retirement Podcast episode, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. ~~Topics covered today~~ - How does the Age Pension work? - Understanding the Income and Assets test - How does Centrelink know your financial situation? - Breaking down the Family Home Exemption - Gifting money without getting caught out ~~ Resources for this episode ~~ - Visit TermPlus to learn more - Learn more about PIMCO - Services Australia website - Financial Information Service - Ask a question (select the Retirement podcast) ~~ Rask Resources ~~ - All services - Financial Planning - Invest with us - Access Show Notes - Ask a question DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG) Learn more about your ad choices. Visit megaphone.fm/adchoices

ஆஸ்திரேலியாவில் அரசு வழங்கும் Age Pension பல முதியவர்களின் பிரதான வருமான ஆதாரமாக இருக்கிறது. ஆனால், செல்வம் படைத்த மூத்த குடிமக்கள் தங்கள் வீடுகளைத் தவிர கணிசமான சொத்துக்களையும் கொண்டிருந்தாலும், ஓய்வூதியம் கோருகின்றனர் என்று சமூக சேவைகள் அமைச்சர் Tanya Plibersekற்கு அவருடைய துறை சார் வல்லுனர்கள் எச்சரித்துள்ளனர் என்றும், அது குறித்து மாற்றங்கள் செய்யப்பட வேண்டுமென்று பரிந்துரைத்துள்ளதாகவும் Australian Financial Review செய்தி வெளியிட்டுள்ளது. இது குறித்த செய்தியின் பின்னணியை எடுத்து வருகிறார் குலசேகரம் சஞ்சயன்.

ඕස්ට්‍රේලියාවේ ජීවත් වන ඔබට ඇතැම් රජයේ ගෙවීම් හෝ ප්‍රතිලාභ සඳහා සුදුසුකම් ලැබීමට නම් ඔබ සතු දේපළ සහ ඉතිරිකිරීම් වැනි වත්කම්වල අගය යම්කිසි මුදල් සීමාවකට යටත් විය යුතු වනවා. මෙම සීමාව වත්කම් සීමාවක් හෙවත් asset limit එකක් වශයෙන් හඳුන්වනවා. මෑතක සිදු වූ වත්කම් සීමාවේ ඉහළ යාම් නිසා පෙරට වඩා වැඩි පිරිසකට පූර්ණ හෝ අර්ධ වශයෙන් Age Pension, Carer Payment හෝ Disability Support Pension ප්‍රතිලාභ ලැබීමට හැකියාව ලැබෙන බව Services Australia වෙබ් අඩවිය සඳහන් කරනවා. මේ කෙටි පොඩ්කාස්ට් විශේෂාංගයෙන් අපි කතා කරන්නේ ඒ පිළිබඳවයි.

With a new financial year upon us, Nightlife thought it timely to find out what changes there are to the pension, and the associated benefits. 

The age pension can be a crucial part of the financial mix in retirement, but many retirees aren’t unlocking its full potential. On this episode of the Friends With Money podcast, Money’s Tom Watson is joined by Andrew Dinsdale-Scanlon from TelstraSuper Financial Planning to run through the financial strategies that could help Australians maximise their age pension entitlements. 00:00 Introduction 00:41 Overview on maximising the age pension 01:48 Strategies to reduce assets 03:31 Spousal contributions 05:13 Understanding lifetime pensions 08:07 The impact of debt on the age pension 09:49 Conclusion #friendswithmoney #tomwatson #andrewdinsdalescanlon #agepension #superannuation Listen on Apple Podcasts Listen on Spotify Money Website YouTube Podcast Playlist Email Us: podcast@moneymag.com.au Get stories like this in our newsletter: bit.ly/3GDirbR *Proudly brought to you by Telstra Super Disclaimer:Andrew Dinsdale-Scanlon is a financial adviser with Telstra Super Financial Planning Pty Ltd ABN 74 097 777 725 AFS Licence No. 218705. TelstraSuper Financial Planning provides financial advice service to members of TelstraSuper ABN 85 502 108 833. Telstra Super Pty Ltd ABN 86 007 422 522 is the trustee of TelstraSuper and wholly owns TelstraSuper Financial Planning. Advice that Andrew gives is of a general nature and does not take into account the particular circumstances or needs of any specific person and because of that, you should consider your own circumstances before acting on any advice . Additionally, the scenarios discussed are based on the relevant superannuation rates and thresholds for 2024/25 and may change in future years. If you are considering acquiring a financial product from TelstraSuper you should read the relevant product disclosure statement and target market determination before making a decision which are available at www.telstrasuper.com.au. The financial services guide for TelstraSuper Financial Planning is available at www.telstrasuper.com.auSee omnystudio.com/listener for privacy information.

Our first Age Pension episode was a massive hit so we're back with a second instalment.  In this episode of Super Insider, Age Pension expert Justin Bott from Services Australia returns, this time with ART's Education Team Leader, Kane Everingham. Together, they tackle some of the most common – and misunderstood – questions about the Age Pension.   You'll hear simple answers about who qualifies, what the income and asset tests involve, and how you can keep more money in your pocket.  00:00 Age Pension Q&A: What you need to know  02:06 What's the Age Pension?   02:41 Who is eligible for the Age Pension?   03:24 What are the income and assets tests?   05:35 Can I earn an income and still get a pension?   07:51 What happens if I apply for Age Pension before my partner?   09:11 How does my super impact my pension?   09:44 What's a deemed financial asset?   12:45 How does lump sum super withdrawals affect the Age Pension??   14:50 What are some common misunderstandings about the Age Pension?   17:12 Does home ownership change my Age Pension eligibility?   19:10 Can I downsize my home and get the Age Pension?  20:41 Does receiving an inheritance affect my pension?   24:10 Can I gift money or assets without it affecting my pension?   27:40 Can I loan money while receiving Age Pension?  28:45 When's the best time to apply for the Age Pension?   29:55 What do I need to apply for the Age Pension?  If you're confused about how the Age Pension works, wondering if you're eligible, or want to know how your super and other assets could affect your payments, we've made this episode for you.   Jump in and listen now.

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth discuss how people can retire well before Age Pension age (currently 67yo). Get retirement advice: https://bit.ly/R-plan Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00 Topics covered today: - Getting clear on your retirement goals before you retire - How your investment composition may differ if looking to retire in your 50s or early 60s - Building wealth aggressively to stop working earlier - Can investment properties support your retirement plans? - Finding a better work/life balance as your near retirement Resources for this episode: Drew on LinkedIn: https://www.linkedin.com/in/drew-meredith-88aba620/ James on LinkedIn: https://www.linkedin.com/in/jporeilly?originalSubdomain=au Types of Investment Structures explained: https://www.australianshareholders.com.au/learn-connect/investor-resources/understanding-investments/types-of-investment-structures/ Geared investing in your Super*: https://www.betashares.com.au/insights/gearing-in-super/ * But note the risks! ~~ Resources for the show ~~ Get retirement advice: https://bit.ly/R-plan Ask a question (select the Retirement podcast): https://bit.ly/3QtiY00 Invest with Rask: https://bit.ly/R-invest Access all episodes: https://bit.ly/R-notes Mortgage Broking: https://bit.ly/broke-rask Property Coaching: https://bit.ly/R-P-coach 100-point property checklist (PDF): https://bit.ly/prop-check Accounting: http://bit.ly/3DG5lWS Business Coaching: https://bit.ly/o-coach DISCLAIMER: This podcast contains general financial information only. That means the information does not take into account your objectives, financial situation, or needs. Because of that, you should consider if the information is appropriate to you and your needs, before acting on it. If you're confused about what that means or what your needs are, you should always consult a licensed and trusted financial planner. Unfortunately, we cannot guarantee the accuracy of the information in this podcast, including any financial, taxation, and/or legal information. Remember, past performance is not a reliable indicator of future performance. The Rask Group is NOT a qualified tax accountant, financial (tax) adviser, or financial adviser. Access The Rask Group's Financial Services Guide (FSG): https://www.rask.com.au/fsg

Tiền cấp dưỡng người già (hay còn gọi Age Pension) là một khoản trợ cấp của chính phủ úc để hỗ trợ thu nhập cho những người Úc từ 67 tuổi trở lên, dựa vào thu nhập và tài sản mà họ sở hữu. Làm sao lập kế hoạch tài chính hiệu quả để nhận được số tiền cấp dưỡng người già cao nhất?

Do you know how you'll set up your finances once you've stopped working full time? If you want to understand your options at retirement and how to access your super, this Super Insider episode has been made for you. It's one of our popular Q&A sessions where we unpack how to plan for the lifestyle you've worked your whole life for.   We cover some of our most frequently asked questions like:   0:00 Ready to retire?   1:28 What's the age that I can retire?  3:47 What does preservation age mean?  5:03 How much should I aim to save before I retire?  8:49 How do I start using my super?  13:16 When can I access the Age Pension?   18:33 How will tax affect my income in retirement?  19:46 What's the downsizer super contribution?  22:31 What happens to my super when I pass away?  Whether you're winding down work, or are planning to retire soon, this is the episode that will keep you on track.   Join our community of people keen to live their best retirement. Because the more you know about super, the more you can plan for your future. Subscribe to Super Insider now with the links below ⬇️.   FOLLOW SUPER INSIDER   Apple Podcasts - https://podcasts.apple.com/au/podcast...   Spotify - https://open.spotify.com/show/1aXYHWZ...   RECOMMENDATIONS   For guidance on super balances and retirement planning   How much super do I need?   For information on Age Pension eligibility and rules   Age Pension Services Australia   IF YOU LIKED THIS EPISODE YOU MAY LIKE   Transition to Retirement – your guide to accessing your super while still at work    What happens to super when you die?   WE'D LOVE TO HEAR FROM YOU!   If you found this episode helpful, drop us a comment and let us know the topics or questions you'd like us to cover next. Or email us at podcast@art.com.au. Thank you!   CREDITS    Ruth Weaver, Australian Retirement Trust Education Manager   Adele Fisk, Australian Retirement Trust Financial Adviser     The opinions and comments shared by people in this podcast are theirs alone, and they're not necessarily shared by the Trustee. It uses information that's accurate at the time of publishing.  This is general information only. It's not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you're still not sure, talk with a financial adviser.   This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee'), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund' or ‘ART').   Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they're paid.  Any information given by the guest speaker is provided as general information only and not financial advice. 

Ever wondered how the Age Pension works and how you qualify? In this episode, host Anne Fuchs sits down with Justin Bott from Services Australia to break down everything you need to know.  Tune in to learn:  the rules for eligibility  how Age Pension payments are calculated  what income and assets are counted  how to claim through Services Australia  what to do if your circumstances change.  Whether you're close to retirement, or just starting to think about it, this episode offers useful tips and insights to help you navigate retirement planning with confidence.  FOLLOW SUPER INSIDER    Apple Podcasts - https://podcasts.apple.com/au/podcast...    Spotify - https://open.spotify.com/show/1aXYHWZ...     RECOMMENDATIONS    How the Age Pension and super work together  How much Age Pension can you get?  IF YOU LIKED THIS EPISODE YOU MAY LIKE    Income in retirement: how to access your superannuation  Is financial advice worth it?  WE'D LOVE TO HEAR FROM YOU!     If you have any feedback, or topics you want us to cover in upcoming episodes, just drop us an email at podcast@art.com.au. Thank you!      CREDITS     Anne Fuchs, Australian Retirement Trust Executive General Manager Advice, Guidance and Education    Justin Bott, Services Australia Customer Information Officer     The opinions and comments shared by people in this podcast are theirs alone, and they're not necessarily shared by the Trustee. It uses information that's accurate at the time of publishing.  This is general information only. It's not based on your personal objectives, financial situation or needs. So, think about those things and read the relevant Product Disclosure Statement and Target Market Determination at art.com.au/pds before you make any decision about our products. And if you're still not sure, talk with a financial adviser.   This information and all products are issued by Australian Retirement Trust Pty Ltd (ABN 88 010 720 840, AFSL 228975) (‘Trustee'), trustee of Australian Retirement Trust (ABN 60 905 115 063) (‘the Fund' or ‘ART').   Any advice given is by representatives of Sunsuper Financial Services Pty Ltd (ABN 50 087 154 818, AFSL 227867) or QInvest Limited (ABN 35 063 511 580, AFSL 238274), both wholly owned by the Trustee. As representatives, they may recommend ART products from time to time. So read the relevant Financial Service Guide at art.com.au/fsg to tell you about that advice and how they're paid.  Any information given by the guest speaker is provided as general information only and not financial advice.     

Blake Wendt from Pretzel Wealth answers questions about the age pension.See omnystudio.com/listener for privacy information.

Actuaries Institute's retirement strategy group chairman Andrew Boal joined 6PR Afternoons to talk about how the system works.  See omnystudio.com/listener for privacy information.

Welcome back to another episode of the 360 Money Matters Podcast!  In this episode, we discussed getting the most out of age pension. We talk about who can get it, how it's been changing, and how the government decides who gets it based on what you own and earn. We also share tips on how to maximise the age pension also! Furthermore, we explain that there are limits to gifting money while still qualifying for age pension. That's why it is important to plan early and get advice because living costs can be tough on just the pension. So, think carefully about your money to make sure you're set for retirement. Take charge of your financial future by learning how to maximise your age pension entitlements. Join us now! - This podcast contains information that is general in nature. It does not take into account the objectives, financial situation, or needs of any particular person. You need to consider your financial situation and needs before making any decisions based on this information. This information is provided by Billy Amiridis &  Andrew Nicolaou of 360 Financial Strategists Pty Ltd, authorized representatives and credit representatives of AMP Financial Planning – AFSL 232706   Episode Highlights About age pension eligibility Means testing and assessment of assets Strategies for maximizing age pension entitlements Complexities to consider regarding beneficiary impact and fund preservation Understanding spousal contribution and superannuation strategies  Gifting assets and financial structuring   Connect with Billy and Andrew! 360 Financial Strategists    Check out our latest episode here:  Apple Podcast Spotify Google Podcast  

The Age Pension has risen for both singles and couples, but is it really enough to help retirees keep up with cost of living challenges?See omnystudio.com/listener for privacy information.

Notable changes have been introduced this year for pivotal entities such as Centrelink, Age Pension, and Medicare. - Centrelink, ஓய்வூதியம் மற்றும் மருத்துவ காப்பீடு போன்றவற்றில் குறிப்பிடத்தக்க மாற்றங்கள் இந்த ஆண்டு அறிமுகப்படுத்தப்பட்டுள்ளன.

Maximizing your old age pension and minimizing your old age security clawback in Canada can require careful financial planning and an understanding of the country's pension system. However, staying informed about changes in pension legislation and consulting a financial advisor can help you navigate the complex landscape of maximizing your old age pension benefits in Canada. Listen here today to find out some of the strategies you might want to put into practice. (01:08): What's the difference between Old Age Security and Canada Pension Plan? (02:46): The basics to know to make sure you're getting your OAS (03:41): Eligibility (05:38): How does the OAS clawback work? (06:58): Some ideas on how to ensure that you get your OAS (07:54): Mistakes that people make (09:50): How fee-based accounts can help (10:38): How to deal with dividend income (11:07): Maximizing TFSAs (12:06): Income splitting (12:45): How to deal with capital gains (14:28): Gifting tax-free (15:40): Bonus ideas

*Content Warning: This episode of Doin' Time contains audio images of Aboriginal and Torres Strait Islander people who have died, and discussion of Deaths in Custody. First up on today's show, Marisa interviews Wani Wandian man, longtime activist, and President of the Black Peoples Union, Kieran Stewart-Assheton, who kicks off his interview with a brief explanation of the general aims and work of the BPU as a revolutionary political organisation, and their nonconservative NO campaign in regards to the Voice to Parliament. He goes on to discuss the history of the idea of an Aboriginal advisory committee as a Liberal Party initiative to further undermine First Nations people exercising their Sovereignty, the $25-27M in donations to the Yes23 campaign by mining companies and their affiliates, and the specific kind of Treaty the BPU aims toward... not one with a colonial government who only aims to divide and conquer and further oppress, ending the interview with words of hope. There continues to be a large gap in life expectancy between Aboriginal and non-Aboriginal people, and yet the age of access to the age pension continues to discriminate against Aboriginal people. Next up on the show, Marisa speaks with Gunditjmara woman and VACCHO CEO Jill Gallagher about the Federal Court of Australia, who has dismissed the legal challenge seeking fair and equal access to the age pension for Aboriginal and Torres Strait Islander people, failing to recognise this age pension discrimination.  She goes on to discuss the prevalence of chronic illness and overrepresentation in the criminal justice system for Aboriginal people, why she supports the Voice to Parliament, changing the culture of correctional services in Victoria, and more. Head to www.3cr.org.au/dointime for full access to links and previous podcasts.

一名原住民男子在聯邦法院打官司，他認為由於預期壽命關係，原住民應較非原住民澳洲人提前領取養老金 (Age Pension)，但敗訴而歸。

See omnystudio.com/listener for privacy information.

See omnystudio.com/listener for privacy information.

There's a magic number in superannuation that allows retirees to make the most of their own money and the Age Pension. It's called the super sweet spot. This week on the Friends With Money podcast, Money's Tom Watson is joined by journalist Susan Hely to discuss how the sweet spot works. Why should pre-retirees and retires know about it? What is the sweet spot for singles and couples? How does the taper trap work? What are the benefits of the aged pension? Is it still worth having a larger super balance? #friendswithmoney #tomwatson #susanhely #superannuation Listen on Apple Podcasts: https://apple.co/3mV0Cbr Listen on Google Podcasts: https://bit.ly/3qGfsoL Listen on Spotify: https://spoti.fi/3fSPI2h   Website: https://moneymag.com.au   Email: podcast@moneymag.com.au  See omnystudio.com/listener for privacy information.

从今年7月1日开始，澳大利亚政府养老金（Age Pension）领取者的年龄要求将被提高到67岁。那么在未来这一年龄可能被提高到70岁吗？

2023 年 1 月 1 日起，Age Pension养老金 发生两项变化，其中一个与出售自住房有关。欢迎点击收听。

I'm so excited for this one today. There's been a few potential Super changes put forth by the Albanese government lately and I wanted to get two different viewpoints on the podcast to debate the pros and cons of the changes. I also wanted to talk about Super as a high-level concept. What exactly is Super? What's the purpose of Super? Is Super fulfilling its job? etc. We have two returning guests joining in today's discussion. CIO of The Motley Fool Australia, Scott Phillips and Economist Dr Cameron Murray. I'm playing moderator between these two as they give their different opinions on some of the following topics:What is the purpose of Super? (00:03:26)Is there an alternative to the current Super system? (00:11:38)Thoughts on how we could fix the Super system (00:19:27)Do we actually need to have both Super and the Age Pension? (00:39:48)LinksCameron Murray - SubstackCameron Murray - TwitterCameron Murray - FacebookScott Phillips - TwitterScott Phillips - Facebookwww.aussiefirebug.com/podcast

Stephanie speaks to Joe about her OCD. Frank has been refused planning permission on his family's land in Waterford.

Rev. Bill Crews chats to Ian Henschke from National Seniors Australia about the barriers to pensioners filling skills gaps.   Currently, those on the Age Pension are allowed to earn a "Work Bonus" of $300 a fortnight for a single person, or $320 a fortnight for a couple. For every dollar earned above that amount, pension payments are reduced by 50 cents on every dollar.  The Work Bonus will be increased from December 1, taking it from $7,800 a year to $11,800 for this financial year. But the measure will expire on July 1.See omnystudio.com/listener for privacy information.

As part of the government's indexation review on a range of welfare payments, the maximum rate of the age pension will increase by 4 per cent.

이번 시간에는 노인 연금(Age Pension)의 자격 요건 및 금액 산정 기준 등을 비롯해 많은 한인들이 궁금해하는 구체적인 질문에 대해 알아봅니다.

A Sydney Harbour island is being returned to Traditional Owners - A case by First Nations' Australians against the Federal Government to seek fair and equal access to the Age Pension is returning to court and Nate Jawai played for his new team, Darwin Salties, for the first time yesterday