Podcasts about age pension

Our next guests on air are friends of the show Georgie Purcell and Josh Burns. Georgie has recently been in the press for  helping the hamlet of Elphinstone end plans to start a puppy farm in the area. An application for a proposed dog breeding facility in Elphinstone in Central Victoria has been withdrawn following lobbying from residents and animal activists. The puppy farm had planned to operate 24 hours a day and house up to 150 dogs including corgis, golden retrievers and Cavalier King Charles spaniels. The application for the facility, lodged with Mount Alexander Shire Council in April, stated it “mandates scheduled caesarean sections at specialised veterinary clinics”. Animal Justice MP and Member for Northern Victoria Georgie Purcell said it would have been an “extraordinary” first. https://www.abc.net.au/news/2026-06-04/breeder-withdraws-plan-for-controversial-puppy-farm/106753744 Youth Housing Josh was on air today to discuss the Federal Government’s Youth Housing crisis campaign. This budget will deliver nearly $60 million over four years to directly address the youth housing penalty, providing thousands of young Australians access secure housing, helping to reduce youth homelessness. The Federal Government will invest $59.4 million over four years from 2026-27 for community housing providers (CHPs) to help house young people at risk of housing insecurity and homelessness. The new Youth Housing Supplement will provide funding to community housing providers (CHPs) that house eligible young people receiving Youth Allowance or ABSTUDY. Funding will help offset the lower rental income associated with housing young people on lower-rate income support payments, making it easier for providers to offer homes to vulnerable young Australians. The measure is expected to support: 2,325 young people from 1 January 2027 2,500 young people in 2027-28 4,000 young people in 2028-29 4,355 young people in 2029-30 Funding profile ($m) 2026-27 2027-28 2028-29 2029-30 Total 6.0 12.0 19.2 22.3 59.4   Why does this matter? Young people are now among the groups most at risk of homelessness in Australia, with 19 to 24-year-olds experiencing the highest homelessness rate of any age cohort. At the same time, many young people face a structural barrier accessing community housing. Most community housing providers charge income-based rents, typically around 25 per cent of a tenant's income plus Commonwealth Rent Assistance (CRA. Because Youth Allowance and ABSTUDY are significantly lower than payments such as JobSeeker, the Disability Support Pension and the Age Pension, providers receive substantially less rental income from housing young people. In some cases, providers receive up to 54 per cent less rental revenue from a young tenant compared with an older tenant on the Age Pension or Disability Support Pension. Sector organisations have argued this creates a “youth housing penalty” where young people can unintentionally become harder to house within the current funding model, despite often having high levels of vulnerability and support needs. Young people are now among the groups most at risk of homelessness in Australia: Nearly 40 per cent of people presenting alone to homelessness services are under 25. Thousands of young people are turned away from homelessness services each year because support is full. Many cycle between couch surfing, crisis accommodation, unsafe housing and rough sleeping. Housing and homelessness organisations have argued for years that the current system creates a structural disincentive to house young people. The Youth Housing Supplement directly responds to this issue by helping providers absorb the revenue gap and create more pathways into stable housing. The Home Time campaign, the measure responds to extensive advocacy from the Home Time campaign, a national alliance supported by more than 170 housing, homelessness and social welfare organisations across Australia. Home Time has campaigned for reforms that recognise the unique drivers of youth homelessness and create long-term housing pathways for young people, rather than relying solely on crisis accommodation and emergency responses. The proposal also responds to recommendations from the Economic Inclusion Advisory Committee, which identified a youth housing supplement as a targeted way to reduce youth homelessness. Atlas spent a decade moving in and out of homelessness as a young person. During that time, he saw many other young people fall through the cracks, including peers who lost their lives while homeless. He says stable housing can fundamentally change the trajectory of a young person's life. “This Youth Housing Supplement is an incredible investment from the federal government into on the ground action that will make it easier for young people to get out of homelessness and find safety.” “I was in and out of homelessness for 10 years, and in those years, I saw too many people lose their lives. Kids who died on the streets, kids who never truly had a chance to find anything else. Investments like this one will save lives.” Atlas says the measure gives hope to young people who have become accustomed to falling through the cracks. “I can't fully articulate what this supplement means for the young people who are currently experiencing homelessness.” “This subsidy is just the first step of many in the changes we need to make to create a truly equitable system but for the first time in a long time there is hope.” “Helping more people into homes is a big focus of this Budget.” “Right now, it's too hard for too many Australians to get into their own home and get ahead and that's why we're building more homes, fast-tracking approvals, and helping thousands of young people to pay the rent.” Treasurer Jim Chalmers “When a young person has a safe place to live, everything else becomes more possible – education, health, and stable employment.” “This investment is about unlocking safe and secure housing for vulnerable young Australians so they have the solid foundation they need to build strong, secure and independent lives.” Minister for Social Services Tanya Plibersek “The fact that young Australians are now among the groups most at risk of homelessness should stop us in our tracks, and that's why this government is acting.” “Getting a roof over your head can change the course of a young person's life, bringing stability, safety and the chance to build a future.” =Minister for Housing Clare O'Neil The post Sat, 6th June, 2026: Georgie Purcell, Animal Justice Party: Puppy Farms & Josh Burns, ALP, Macnamara; Youth Homelessness Campaign. appeared first on Saturday Magazine.

In this Australian Retirement Podcast episode, your hosts Drew Meredith, from Wattle Partners, and James O'Reilly, from Northeast Wealth, bust the myth that financial advice fees are fully tax-deductible after the 2024 changes, walk through a real client case where an insurance refund accidentally triggered the bring-forward non-concessional cap, and run the numbers on what a daily coffee, a weekly pub meal, and three streaming services really cost a retiree over 25 years. They also explain what professional indemnity insurance actually covers (and what it does not), and answer two listener questions: the best month of the year to retire, and whether a still-working 60-year-old with $2 million should set up an allocated pension now. Topics covered today – The myth that all financial advice fees are tax-deductible — what actually changed in 2024 and why accountants are tightening up – A real case study: an insurance premium refund accidentally treated as a non-concessional contribution and the bring-forward trap it triggered – Why the latest age pension increase was completely wiped out by higher deeming rates, petrol, and grocery prices – The $432,000 cost of a daily coffee, weekly pub meal, and three streaming services over 25 years — and why we still say spend it anyway – Professional indemnity insurance: what it actually covers, what it doesn't, and why “bad returns” aren't a claim – Mad About Money's question: what is the best time of year to retire? (Hint: August) – Super Sandwich's question: 60 years old, $2 million in super, still working five more years — should you start an allocated pension now? – The over-60 super recycling strategy: meeting a condition of release, drawing the minimum, and re-contributing to save up to $14,000 a year in tax If you like this Australian Retirement Podcast episode on tax, coffee, and the over-60 super loophole, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. Resources for this episode – Wattle Partners – Northeast Wealth – ATO — deductibility of financial advice fees (TD 2024/7) – Services Australia — deeming rates – ASIC Moneysmart — conditions of release – Drew's book — request a free copy via the show – Ask a question (select the Retirement podcast) Show partner resources – Visit TermPlus to learn more – Join Pearler using the code "RASKSWITCH" and get $32 of Pearler Credit 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

The federal government is facing criticism over rising deficits and growing debt. Is it time for major changes to secure Canada's fiscal future? A new Fraser Institute proposal suggests tightening Old Age Security eligibility and raising the retirement age. Evan is joined by Jake Fuss, Director of Fiscal Studies at the Fraser Institute, to discuss the controversial idea.

Bước vào tuổi nghỉ hưu tại Úc, việc nắm rõ cách thức vận hành của hệ thống an sinh xã hội là chìa khóa vàng để bảo đảm tương lai tài chính. Bài kiểm tra tài sản (assets test) của Centrelink chính là thước đo quyết định bạn sẽ nhận được bao nhiêu tiền trợ cấp hưu trí (Age Pension). Với những cập nhật mới nhất áp dụng từ ngày 20 tháng 3 năm 2026, bài viết này sẽ cung cấp bức tranh toàn diện về hạn mức tài sản, quy định sở hữu nhà ở và các giải pháp hỗ trợ đặc biệt.

Làm thế nào để bảo toàn khoản trợ cấp hưu trí xứng đáng tại Úc khi các quy định kiểm tra tài sản ngày càng thắt chặt? Thay vì tìm đến các phương thức rủi ro, giới chuyên gia tài chính đã hé lộ những chiến lược giảm tài sản danh nghĩa hoàn toàn hợp pháp. Từ việc tối ưu hóa ngôi nhà chính, tận dụng quỹ hưu bổng của người phối ngẫu nhỏ tuổi, đến nghệ thuật tặng tài sản đúng hạn mức, chúng ta cùng phân tích chi tiết những giải pháp thông minh giúp bạn tối đa hóa trợ cấp hưu trí từ Centrelink một cách an toàn và đúng luật.

Bạn đang nhận Age Pension và dự định ra nước ngoài dài ngày? Từ ngày 20/09/2026, quy định mới của Centrelink theo Ngân sách Liên bang 2026-2027 sẽ cho phép người hưởng hưu trí tiếp tục nhận Pension Supplement tối đa 12 tuần, thay vì chỉ 6 tuần như trước đây. Tuy nhiên, nếu vắng mặt quá thời hạn này, khoản phụ cấp sẽ bị cắt hoàn toàn. Dưới đây là những mốc thời gian và điều kiện quan trọng người hưởng Age Pension cần lưu ý trước khi rời Úc.

Think you'll automatically get the Age Pension at 67? Not quite.    The reality is a little more complex but understanding how the Age Pension works early could make a real difference to your retirement.     In this episode of Super Insider, our Education experts Josh and Ruth unpack the Age Pension in Australia - what it is, who qualifies, and how it could fit into your retirement plan.    From common misconceptions to practical strategies, this episode gives you tips and insights about the Age Pension and confidence to take control of your next chapter.    Tune in to learn:  01:36 - What the Age Pension is and how it works  04:04 - Why not everyone receives the full Age Pension  05:32 - How income and assets impact your eligibility  09:24 - What strategies could help you qualify for more  11:34 - How deeming rates and market changes affect your payments  13:47 - When and how to apply  

In this Australian Retirement Podcast episode, your hosts Drew Meredith from Wattle Partners and James O'Reilly from Northeast Wealth open with provocative questions: If they had to retire TODAY on only the Age Pension, what's the first lifestyle change? And if a client wanted to blow $200K in year one on a round-the-world trip - backing them or talking them down? The Boomer Briefing tackles explosive commentary from The Australia Institute, Guardian Australia, and Grattan Institute: Should we scrap super tax concessions entirely and double the Age Pension instead? The math: Super tax concessions cost ~$55-60bn/year ($31bn contributions + $24bn earnings). Age Pension costs ~$62bn/year. The argument: abolish super breaks, double the pension. Would Australians be better off? Drew and James expose why this sounds good but creates long-term disaster: Super concessions reduce future pension costs. Kill the incentive, more people need full pensions, government pays billions more later. Plus high earners shift to trusts and negative gearing - you never recover 100% revenue. What's actually happening: Division 293/296 tax, transfer balance caps, contribution cap tightening. Today's question from "Charli": "Which ETFs can generate at least 6% per annum WITHOUT losing capital invested?" Drew and James tackle capital preservation reality, inflation erosion, and whether ANY investment delivers 6% returns with zero capital risk. If you like this Australian Retirement Podcast episode on the super vs Age Pension debate and safe returns, you'll love the series. Don't forget to subscribe for weekly shows on Apple, Spotify, YouTube or wherever you get your podcasts. 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): https://www.rask.com.au/fsg Learn more about your ad choices. Visit megaphone.fm/adchoices

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?

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.

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.

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.