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Education hub
Feel empowered with knowledge when discussing your finances and retirement plan with your financial adviser.
Where are you in your retirement journey?
- Not ready to retire yet
- Getting ready to retire
- Already retired
| Articles | Description |
|---|---|
Getting the most from financial advice during your working life | If you currently don’t have a financial adviser, this article may give you some insights into how an adviser can add substantial value to your financial planning and how to find an adviser that suits your needs. |
Even the best-laid investment plans can come undone if you lose your ability to earn an income, or your loved ones are faced with your unexpected passing. | |
Are you making the most of the superannuation opportunities that are available? | |
Apart from buying a home, superannuation is likely to be the biggest investment most Australians will make in their lifetime. It’s also one of the most tax-effective ways to save for retirement. | |
Whether you’re just starting your career or are already retired, it’s important to carefully consider how your super is invested so you can achieve the retirement lifestyle you desire. | |
If you don’t nominate a beneficiary, your super fund will – subject to the fund rules and super laws – decide who should receive your death benefits. |
| Articles | Description |
|---|---|
| If you’re thinking of selling your home, you may be able to give your super a boost by making a ‘downsizer’ contribution. | |
Getting the best value from financial advice during your retirement | If you’re retired or thinking about retirement, a financial adviser can play an important role in ensuring you have a sustainable and stable income in retirement, with flexible access to your retirement savings when you need it. |
| Apart from super, there are other potential sources of income that can play a part in helping you achieve the lifestyle you’d like in retirement. | |
Keep your super working for you with an account-based pension | There are a number of ways to fund your retirement, but if you’re looking to retire and want to receive regular income while having flexible access to your funds, you may want to consider talking to an adviser about whether an account based pension (ABP) may be suitable for you. |
| Determining how much money you’ll need in retirement can be challenging. A logical starting point might be to think about the lifestyle you want in your retirement. | |
Social security treatment of superannuation and account-based pensions | This article explains how your superannuation is assessed in determining your eligibility for the Government’s age pension. |
Are you making the most of the superannuation opportunities that are available? | |
Apart from buying a home, superannuation is likely to be the biggest investment most Australians will make in their lifetime. It’s also one of the most tax-effective ways to save for retirement. | |
Whether you’re just starting your career or are already retired, it’s important to carefully consider how your super is invested so you can achieve the retirement lifestyle you desire. | |
| Money you contribute to super is generally preserved, which means you can’t access it until you meet certain conditions. | |
If you don’t nominate a beneficiary, your super fund will – subject to the fund rules and super laws – decide who should receive your death benefits. |
| Articles | Description |
|---|---|
| If you’re thinking of selling your home, you may be able to give your super a boost by making a ‘downsizer’ contribution. | |
Getting the best value from financial advice during your retirement | If you’re retired or thinking about retirement, a financial adviser can play an important role in ensuring you have a sustainable and stable income in retirement, with flexible access to your retirement savings when you need it. |
| Apart from super, there are other potential sources of income that can play a part in helping you achieve the lifestyle you’d like in retirement. | |
Keep your super working for you with an account-based pension | There are a number of ways to fund your retirement, but if you’re looking to retire and want to receive regular income while having flexible access to your funds, you may want to consider talking to an adviser about whether an account based pension (ABP) may be suitable for you. |
| When planning for retirement, you may be prompted to think about how your super is invested. Choosing an appropriate investment strategy for your super, will necessarily involve consideration of risks. | |
| Determining how much money you’ll need in retirement can be challenging. A logical starting point might be to think about the lifestyle you want in your retirement. | |
Social security treatment of superannuation and account-based pensions | This article explains how your superannuation is assessed in determining your eligibility for the Government’s age pension. |
| Whether you’re just starting your career or are already retired, it’s important to carefully consider how your super is invested so you can achieve the retirement lifestyle you desire. | |
| Money you contribute to super is generally preserved, which means you can’t access it until you meet certain conditions. | |
| If you don’t nominate a beneficiary, your super fund will – subject to the fund rules and super laws – decide who should receive your death benefits. |
Tools and calculators to help you plan for retirement
ASIC has created calculators and tools to provide information to consumers across different scenarios. They’re available on moneysmart.gov.au.
Macquarie is not affiliated with, does not endorse and isn’t in any way involved in the creation of these calculators and tools. Therefore, it makes no comment as to their accuracy.
These calculators and tools should not be taken as a substitute for professional advice when making a decision about your financial situation.
Macquarie's description of these calculators and tools was made at a point in time – please refer to moneysmart.gov.au for an up-to-date description.
Superannuation calculator
This calculator helps you work out:
- how much super you'll have when you retire,
- how fees affect your final super balance.
Retirement planner
This calculator helps you work out:
- what income you're likely to get from super and the age pension when you retire,
- how contributions, investment options, fees and retirement age affect your retirement income,
- how working part-time or taking a break from work affects your super balance.
Life insurance calculator
This calculator helps you work out:
- if you need life cover,
- how much life cover you might need,
- what expenses your life cover will pay for when you die.
Budget planner
This budget template enables you to:
- work out where your money is going,
- create your own custom items,
- change the currency .
Additional information
This information has been prepared by Macquarie Bank Limited AFSL and Australian Credit Licence 237502 and does not take into account your objectives, financial situation or needs. This is even the case where you have been presented with calculators or other tools for use. These materials may not have the factored all relevant inputs so as to provide a result that is applicable to you.
Before making any financial investment decision or a decision about whether to acquire a product mentioned on this page, a person should obtain and review the terms and conditions and/or relevant offer document relating to that product and also seek independent financial, legal and taxation advice.
The Macquarie Wrap products referred to on this page are issued by Macquarie Investment Management Limited ABN 66 002 867 003 AFSL 237 492 (MIML). Consider the Product Disclosure Statement (and/or other applicable offer documents) available on the Macquarie Wrap website, to decide if our products are right for you and whether you should acquire or continue to hold a product.
Funds invested on your behalf by MIML are not deposits with or other liabilities of Macquarie Bank Limited ABN 46008583542 or any other entity of the Macquarie Group and are subject to investment risk, including possible delays in repayment and loss of income and capital invested. None of Macquarie Bank Limited, MIML, or any other member of the Macquarie Group guarantees any particular rate of return or the performance of the investments, nor do they guarantee the repayment of capital.
Target Market Determinations are available at our Design and Distribution hub.