Alteris insights
Retirement
Plain-language thinking from the people who advise families every day.
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What is the retirement age in Australia? Pension age vs preservation age
There is no single official retirement age in Australia. Instead, two ages set by government rules shape when most people can afford to stop working: your superannuation preservation…
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Self-funded retirees: Entitlements, tax and what you need to know
A self-funded retiree pays for their own retirement from superannuation, savings and investments rather than relying on the Age Pension. Being self-funded does not mean you miss out…
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How an inheritance affects your Age Pension
An inheritance is not counted as income under the Age Pension income test. It affects your pension through the assets test from the time you receive it, and…
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Transition to retirement: How a TTR strategy works
You do not have to stop working to start drawing on your super. Once you reach age 60, a transition to retirement (TTR) pension allows you to receive…
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Downsizing with confidence
For many people, the idea of simplifying life, reducing maintenance, or freeing up finances can be very appealing. However, for some, the reality of downsizing does not always…
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Planning your inheritance, protecting your legacy
Let’s be honest, talking about inheritance isn’t something most families naturally gravitate towards. It brings up emotions around ageing, money, and the future, and it’s tempting to push…
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