TextMirror

 Create a text mirror of any webpage in just a few seconds - for free! Enter the URL:

Mirror: moneysmart-gov-au-retirement-income-prepare-to-retire-2024-04-30

Mirrored: 30th of April 2024, 15:24 Settings: Loading the mirror... Original: moneysmart.gov.au Views: 711, 711 today

IFRAME: [1]https://www.googletagmanager.com/ns.html?id=GTM-K663FCG [2]Skip to main content (BUTTON) -HVN- (BUTTON) back [3]home (BUTTON) search * [4]Banking and budgeting + [5]Banking o [6]Savings accounts o [7]Transaction accounts and debit cards o [8]Joint accounts o [9]Direct debits o [10]Unauthorised and mistaken transactions o [11]Sending money overseas + [12]Budgeting o [13]How to do a budget o [14]Track your spending o [15]Manage the cost of living o [16]Managing on a low income o [17]Managing on a casual income o [18]Budget planner o [19]Compound interest calculator o [20]Simple money manager o [21]Avoiding sales pressure + [22]Saving o [23]Savings goals calculator o [24]Compound interest o [25]Save for an emergency fund o [26]Simple ways to save money o [27]Term deposits o [28]Save for a house deposit + [29]Work and tax o [30]GST calculator o [31]Income tax calculator o [32]Income tax o [33]Lodging a tax return o [34]Salary packaging o [35]Returning to work after having a baby o [36]Losing your job o [37]Self-employment o [38]Choosing an accountant + [39]Family and relationships o [40]Relationships and money o [41]Getting married o [42]Having a baby o [43]Teaching kids about money o [44]Reducing back-to-school costs o [45]Cheap school holidays o [46]Getting divorced or separating o [47]Divorce and separation financial checklist o [48]Dealing with illness o [49]Losing your partner o [50]Getting a pet * [51]Loans, credit and debt + [52]Loans o [53]Going guarantor on a loan o [54]Car loans o [55]Loan rejection o [56]Payday loans o [57]No interest loans o [58]Personal loans o [59]Personal loan calculator o [60]Payday loan calculator o [61]Moneysmart cars app + [62]Other ways to borrow o [63]Buy now pay later services o [64]Pay advance services o [65]Interest-free deals o [66]Interest-free deal calculator o [67]Consumer leases o [68]Rent vs buy calculator + [69]Credit cards o [70]Choosing a credit card o [71]Pay off your credit card o [72]Credit card calculator o [73]Credit card balance transfers o [74]Cancel a credit card + [75]Home loans o [76]Buying a house o [77]Choosing a home loan o [78]Mortgage calculator o [79]Switching home loans o [80]Mortgage switching calculator o [81]Using a mortgage broker o [82]Pay off your mortgage faster o [83]Problems paying your mortgage o [84]Interest-only home loans o [85]Interest-only mortgage calculator + [86]Managing debt o [87]Get debt under control o [88]Urgent help with money o [89]Financial counselling o [90]Financial hardship o [91]Problems paying your bills and fines o [92]Credit scores and credit reports o [93]Credit repair o [94]Debt consolidation and refinancing o [95]Dealing with debt collectors o [96]Repossessed car or goods o [97]Bankruptcy and debt agreements o [98]Free legal advice o [99]Net worth calculator * [100]Investing and planning + [101]How to invest o [102]Investor toolkit o [103]Develop an investing plan o [104]Choose your investments o [105]Diversification o [106]Investing and tax o [107]Borrowing to invest o [108]Keep track of your investments o [109]Environmental Social Governance (ESG) investing + [110]Financial advice o [111]Financial advisers register o [112]Choosing a financial adviser o [113]Working with a financial adviser o [114]Financial advice costs o [115]Problems with a financial adviser + [116]Shares o [117]Choosing shares to buy o [118]How to buy and sell shares o [119]Keeping track of your shares o [120]Employee share schemes + [121]Managed funds and ETFs o [122]Managed funds fee calculator o [123]Choosing a managed fund o [124]Exchange traded funds (ETFs) o [125]Hedge funds o [126]Listed investment companies (LICs) o [127]Peer to peer lending + [128]Property investment o [129]Property schemes o [130]Timeshares o [131]SMSFs and property + [132]Investments paying interest o [133]Bonds o [134]Debentures, secured and unsecured notes o [135]Hybrid securities and notes + [136]Investment warnings o [137]Cryptocurrencies o [138]Contracts for difference (CFDs) o [139]Investment seminars o [140]Binary options o [141]Land banking o [142]Company director fraud o [143]Forex trading * [144]Super and retirement + [145]How super works o [146]Choosing a super fund o [147]Types of super funds o [148]Self-managed super fund (SMSF) o [149]Getting your super o [150]Find lost super o [151]Consolidating super funds o [152]Tax and super o [153]Superannuation calculator + [154]Grow your super o [155]Employer contributions calculator o [156]How much super you need o [157]Super contributions o [158]Super for self-employed people o [159]Super investment options o [160]Super contributions optimiser o [161]How to check your super + [162]Retirement income o [163]Prepare to retire o [164]Age Pension and government benefits o [165]Super and pension age calculator o [166]Transition to retirement o [167]Retirement planner o [168]Account-based pensions o [169]Account-based pension calculator o [170]Annuities o [171]Super lump sum o [172]Retirement income and tax o [173]Downsizing in retirement o [174]Reverse mortgage and home equity release o [175]Reverse mortgage calculator + [176]Living in retirement o [177]Your money in retirement o [178]Aged care o [179]Your home in retirement o [180]Wills and powers of attorney o [181]Paying for your funeral o [182]Supporting older Australians o [183]Financial abuse o [184]Memory loss, dementia and your money o [185]Elder care and seniors support * [186]Insurance + [187]How life insurance works o [188]Life insurance calculator o [189]Income protection insurance o [190]Life cover o [191]Total and permanent disability (TPD) insurance o [192]Insurance through super o [193]Life insurance claims comparison tool o [194]Trauma insurance o [195]Making a life insurance claim + [196]Car insurance o [197]Choosing car insurance o [198]Claiming on your car insurance o [199]No claim bonus on car insurance o [200]Add-on car insurance + [201]Home insurance o [202]Choosing home insurance o [203]Contents insurance o [204]Storm, flood and fire insurance o [205]How to make a home insurance claim + [206]Add-on insurance o [207]Mobile phone, tablet and laptop insurance o [208]Consumer credit insurance o [209]Pet insurance + [210]Other types of insurance o [211]Health insurance o [212]Funeral insurance o [213]Travel insurance + [214]Dealing with natural disasters o [215]Preparing for a natural disaster o [216]What to do after a natural disaster o [217]Recovering from a natural disaster * [218]Scams and online safety + [219]Online safety o [220]Protect yourself from scams o [221]Online shopping o [222]Identity theft o [223]Using comparison websites + [224]Financial scams o [225]Banking and credit scams o [226]Crypto scams o [227]Imposter bond investment scams o [228]Investment scams o [229]Ponzi schemes o [230]Superannuation scams + [231]Check and report scams o [232]Report an investment scam o [233]Check before you invest o [234]Investor alert list o [235]What to do if you've been scammed * [236]Community resources + [237]Find unclaimed money o [238]Claim money from bank accounts and bank dividends o [239]Money held by state governments o [240]Interest paid on unclaimed money o [241]ASIC gazette o [242]Claim money from life insurance policies o [243]Claim money from shares and investments + [244]Moneysmart for teachers o [245]Lesson plans o [246]Teaching consumer and financial literacy + [247]Student life and money o [248]Studying o [249]Moving out of home o [250]Rental bonds and leases o [251]Getting a job o [252]Credit and debt o [253]Choosing a mobile phone plan o [254]Buying and running a car + [255]Publications and resources o [256]Publications o [257]Money tips in other languages + [258]Indigenous o [259]Book up o [260]Dealing with family pressure about money o [261]Door-to-door sales o [262]Managing large sums of money o [263]Paying for funerals o [264]Buying a hamper o [265]Superannuation o [266]Bank accounts o [267]Cash loans * [268]About us * [269]Contact us * [270]Glossary * [271]Media centre * [272]Like MoneySmart on Facebook * [273]Follow MoneySmart on X (formerly Twitter) * [274]Subscribe to MoneySmart on Youtube * [275]Follow MoneySmart on Instagram Australian Government crest [276]Retirement income Prepare to retire Your retirement planning checklist Page reading time: 5 minutes (BUTTON) On this page Preparing to retire is emotional and practical. Making a retirement plan can help you manage your finances, and cope better as your life and priorities change. Make a retirement plan Your retirement plan can be simple or detailed. Include: * Timing -- when you want to retire. This could change, but it's good to have a starting point. * Lifestyle and priorities -- prioritise what matters most. For example, social activities and staying active, continuing or changing work, where you will live. * Income and living costs -- estimate your daily living costs. Do a budget to prioritise your spending. Work out how much income you'll have, and from where. * Plan for the future -- if you can, boost your retirement income by contributing more to your super. Decide how to pay off your mortgage or other debts, and build a savings buffer. Check you have an up-to-date will and powers of attorney. Think about when you want to retire There's no set age you need to be to retire. It will depend on your health, work options, finances and personal situation. Are you retiring in ten years, two to five years, or next year? If you have a partner, when will they retire? Knowing how much time you have helps you make a retirement plan. Talk about your retirement priorities with a partner, colleague or friend. If you need professional advice to plan for retirement, see [277]financial advice. Consider your lifestyle and priorities Set your priorities Think about what your lifestyle will look and feel like. What are the things that matter most? Consider: * your living costs * social life and recreation * staying active and healthy * volunteering or community participation * planning for changing health needs or aged care * supporting your family, children or grandchildren (if any) Keep working, reduce hours or retrain Continuing to earn an income, even part-time, can help your retirement savings last longer. If you want to keep working, options include: * [278]Job Switch -- explore options to retrain or seek part-time work * [279]Transition to retirement -- if you've reached your [280]preservation age, you can use some of, and keep contributing to, your super while working * [281]Work Bonus -- if you get the Age Pension, you can earn up to $300 per fortnight from work before your pension payment reduces Plan where you will live If you own your home: * If you still have a mortgage, you could use some of your super (when available) to pay it off. * [282]Consider downsizing to free up money. You could pay off your mortgage, support your lifestyle, or relocate to be closer to family or services. Before going ahead, check the tax impact and whether it will affect your government benefits. If you're renting: * You may be eligible for an extra payment if you rent and get payments from Centrelink, like the Age Pension. To find out more, see [283]rent assistance on the Services Australia website. * If you're struggling with rent or unsure about your tenancy rights, see [284]rent steps to take on the National Debt Helpline website. Work out your income and living costs How much money you'll need for living costs in retirement depends on your lifestyle priorities and what you can afford. For most people, your retirement income will be a combination of superannuation and the Age Pension. If you don't have much super, you may be more reliant on the pension. If you do have super, think about how and when to withdraw it. You may also have some savings or investments. Work out your living costs Consider: * Housing -- rent or mortgage, rates, home and contents insurance, maintenance * Utilities -- electricity, gas, water, phone, internet, streaming services * Food -- fresh food, groceries, takeaway, dining out * Clothing and household goods -- clothing, personal care, furniture, household appliances * Health and leisure -- health insurance, health care, social activities, fitness, holidays, gifts * Transport -- car registration, insurance and running costs, public transport As a rule of thumb, try allowing for two thirds of your current living costs. This is a useful guide, that assumes reduced costs for work and that you've paid off your mortgage. Your spending may be higher when you first retire. For example, if you plan to travel or update your home. You may also need to allow more for health care as you get older. [285]Use the budget planner to work out your living costs Prioritise the things that matter most in retirement. Get your super income You can get your super when you retire and reach your 'preservation age'. That is between 55 and 60, depending on when you were born. Or when you reach 65, even if you're still working. When you are eligible to withdraw your super, your main options are: * an account-based pension * an annuity * a lump sum * or a combination of these You could also consider a transition to retirement strategy. You can use some of, and keep contributing to, your super while working. Contact your super fund to discuss your options. Claim government benefits From age 67 (or earlier, if born before 1957), you may be eligible for government benefits such as: * Age Pension * Pensioner concessions * Health care benefits * Tax offsets For questions about government benefits, call Centrelink's older Australians line on 132 300. Ask to speak to a [286]Financial Information Service (FIS) officer (for free). The helpline is open Monday to Friday, 8:00am to 5:00pm. [287]Use the retirement planner to estimate your income See how long your super and Age Pension will last. Add in savings and investments If you have money in savings, this could top up your retirement income. If you have investments like [288]shares or [289]investment property, think about whether to keep or sell. Check the costs, tax impact and whether it will affect your government benefits. Plan for the future Grow your income If you can, consider contributing more to your super. Use the [290]super contributions optimiser to see how to get the biggest boost. Save for an emergency [291]Save an emergency fund to give yourself a safety net for unexpected bills like repairs or medical costs. Pay off debt If you have a mortgage or other debts, consider how best to pay them off. For tips on how to do this, see get [292]debt under control. Make an estate plan Decide what you want done with your assets when you die. Check you have an [293]up-to-date will and powers of attorney, and a nominated beneficiary for your super. Get help if you need it * To get advice about your super income options, talk to your super fund. * For questions about government benefits or retirement, call Centrelink's older Australians line on 132 300. Ask to speak to a [294]Financial Information Service (FIS) officer (for free). The helpline is open Monday to Friday, 8:00am to 5:00pm. * To get professional advice on planning for retirement, see [295]financial advice. * For help with tax matters, see [296]how tax applies to your super withdrawals on the Australian Taxation Office (ATO) website. Or see a tax professional. Do you find this page useful? (*) Yes ( ) No Why? [ ] It had the information I was looking for [ ] The page makes sense [ ] The information is balanced and unbiased [ ] The information gave me a sense of what to do next (BUTTON) Submit (BUTTON) Any other feedback Why not? [ ] It didn't have the information I was looking for [ ] The page was confusing [ ] The information overwhelmed me [ ] There wasn't enough information for me to take action (BUTTON) Submit (BUTTON) Any other feedback Your feedback Your feedback relates to: [Please select...________________________] You would like to: [Please select...____] Your issue is: [Please select...______________________________________] * Calculator disclaimers and assumptions can be found under each calculator. Refer to these for more detailed information about how a specific calculator works. * Calculator frequently asked questions can be found under most calculators. Refer to these for more information. The links below provide more information on complaints and reporting scams: * [297]Complain about a financial product or service * [298]Report a scam * [299]Report misconduct to ASIC We don't lend money, arrange loans or provide personal financial advice. If you are experiencing difficulties with money, the following pages can help: * [300]Urgent help with money * [301]No or low interest loans * [302]Problems paying your bills or fines * [303]Problems paying your mortgage * [304]Find a financial counsellor Summary of your feedback (helps us respond faster): ____________________ Your comments: ____________________________________________________________ ____________________________________________________________ ____________________________________________________________ ____________________________________________________________ The page/calculator/app you are referring to (eg. cut/paste URL): ____________________ Your email address: (if you require a reply) ____________________ (BUTTON) Cancel (BUTTON) Send feedback Up next in Retirement income * [305] Age Pension and government benefits Benefits and entitlements for seniors and retirees 4 min read * [306] Super and pension age calculator When you can access your super and the Age Pension 1 min read * [307] Transition to retirement Access your super while you keep working 2 min read * [308] Retirement planner Find out your income when you retire 5 min read * [309] Account-based pensions Turn your super into a regular income stream 2 min read * [310] Account-based pension calculator Find out the income you'll get from super 5 min read * [311] Annuities Turn your super or other savings into a guaranteed income when you retire 3 min read * [312] Super lump sum Taking your super as a cash payment 2 min read * [313] Retirement income and tax How your super or non-super income stream is taxed 2 min read * [314] Downsizing in retirement Decide whether downsizing your home is right for you 3 min read * [315] Reverse mortgage and home equity release How to decide if home equity release is right for you 9 min read * [316] Reverse mortgage calculator See if a reverse mortgage could be right for you 20 min read * [317]MoneySmart logo * [318]About us * [319]Contact us * [320]Glossary * [321]Media centre * [322]Subscribe * [323]Indigenous * [324]Like MoneySmart on Facebook * [325]Follow MoneySmart on X (formerly Twitter) * [326]Subscribe to MoneySmart on Youtube * [327]Follow MoneySmart on Instagram [328]ASIC logo MoneySmart logo ____________________ (BUTTON) search References 1. https://www.googletagmanager.com/ns.html?id=GTM-K663FCG 2. https://moneysmart.gov.au/retirement-income/prepare-to-retire#mainContent 3. https://moneysmart.gov.au/ 4. https://moneysmart.gov.au/retirement-income/prepare-to-retire#banking-and-budgeting 5. https://moneysmart.gov.au/banking 6. https://moneysmart.gov.au/banking/savings-accounts 7. https://moneysmart.gov.au/banking/transaction-accounts-and-debit-cards 8. https://moneysmart.gov.au/banking/joint-accounts 9. https://moneysmart.gov.au/banking/direct-debits 10. https://moneysmart.gov.au/banking/unauthorised-and-mistaken-transactions 11. https://moneysmart.gov.au/banking/sending-money-overseas 12. https://moneysmart.gov.au/budgeting 13. https://moneysmart.gov.au/budgeting/how-to-do-a-budget 14. https://moneysmart.gov.au/budgeting/track-your-spending 15. https://moneysmart.gov.au/budgeting/manage-the-cost-of-living 16. https://moneysmart.gov.au/budgeting/managing-on-a-low-income 17. https://moneysmart.gov.au/budgeting/managing-on-a-casual-income 18. https://moneysmart.gov.au/budgeting/budget-planner 19. https://moneysmart.gov.au/budgeting/compound-interest-calculator 20. https://moneysmart.gov.au/budgeting/simple-money-manager 21. https://moneysmart.gov.au/budgeting/avoiding-sales-pressure 22. https://moneysmart.gov.au/saving 23. https://moneysmart.gov.au/saving/savings-goals-calculator 24. https://moneysmart.gov.au/saving/compound-interest 25. https://moneysmart.gov.au/saving/save-for-an-emergency-fund 26. https://moneysmart.gov.au/saving/simple-ways-to-save-money 27. https://moneysmart.gov.au/saving/term-deposits 28. https://moneysmart.gov.au/saving/save-for-a-house-deposit 29. https://moneysmart.gov.au/work-and-tax 30. https://moneysmart.gov.au/work-and-tax/gst-calculator 31. https://moneysmart.gov.au/work-and-tax/income-tax-calculator 32. https://moneysmart.gov.au/work-and-tax/income-tax 33. https://moneysmart.gov.au/work-and-tax/lodging-a-tax-return 34. https://moneysmart.gov.au/work-and-tax/salary-packaging 35. https://moneysmart.gov.au/work-and-tax/returning-to-work-after-having-a-baby 36. https://moneysmart.gov.au/work-and-tax/losing-your-job 37. https://moneysmart.gov.au/work-and-tax/self-employment 38. https://moneysmart.gov.au/work-and-tax/choosing-an-accountant 39. https://moneysmart.gov.au/family-and-relationships 40. https://moneysmart.gov.au/family-and-relationships/relationships-and-money 41. https://moneysmart.gov.au/family-and-relationships/getting-married 42. https://moneysmart.gov.au/family-and-relationships/having-a-baby 43. https://moneysmart.gov.au/family-and-relationships/teaching-kids-about-money 44. https://moneysmart.gov.au/family-and-relationships/reducing-back-to-school-costs 45. https://moneysmart.gov.au/family-and-relationships/cheap-school-holidays 46. https://moneysmart.gov.au/family-and-relationships/getting-divorced-or-separating 47. https://moneysmart.gov.au/family-and-relationships/divorce-and-separation-financial-checklist 48. https://moneysmart.gov.au/family-and-relationships/dealing-with-illness 49. https://moneysmart.gov.au/family-and-relationships/losing-your-partner 50. https://moneysmart.gov.au/family-and-relationships/getting-a-pet 51. https://moneysmart.gov.au/retirement-income/prepare-to-retire#loans-credit-and-debt 52. https://moneysmart.gov.au/loans 53. https://moneysmart.gov.au/loans/going-guarantor-on-a-loan 54. https://moneysmart.gov.au/loans/car-loans 55. https://moneysmart.gov.au/loans/loan-rejection 56. https://moneysmart.gov.au/loans/payday-loans 57. https://moneysmart.gov.au/loans/no-interest-loans 58. https://moneysmart.gov.au/loans/personal-loans 59. https://moneysmart.gov.au/loans/personal-loan-calculator 60. https://moneysmart.gov.au/loans/payday-loan-calculator 61. https://moneysmart.gov.au/loans/moneysmart-cars-app 62. https://moneysmart.gov.au/other-ways-to-borrow 63. https://moneysmart.gov.au/other-ways-to-borrow/buy-now-pay-later-services 64. https://moneysmart.gov.au/other-ways-to-borrow/pay-advance-services 65. https://moneysmart.gov.au/other-ways-to-borrow/interest-free-deals 66. https://moneysmart.gov.au/other-ways-to-borrow/interest-free-deal-calculator 67. https://moneysmart.gov.au/other-ways-to-borrow/consumer-leases 68. https://moneysmart.gov.au/other-ways-to-borrow/rent-vs-buy-calculator 69. https://moneysmart.gov.au/credit-cards 70. https://moneysmart.gov.au/credit-cards/choosing-a-credit-card 71. https://moneysmart.gov.au/credit-cards/pay-off-your-credit-card 72. https://moneysmart.gov.au/credit-cards/credit-card-calculator 73. https://moneysmart.gov.au/credit-cards/credit-card-balance-transfers 74. https://moneysmart.gov.au/credit-cards/cancel-a-credit-card 75. https://moneysmart.gov.au/home-loans 76. https://moneysmart.gov.au/home-loans/buying-a-house 77. https://moneysmart.gov.au/home-loans/choosing-a-home-loan 78. https://moneysmart.gov.au/home-loans/mortgage-calculator 79. https://moneysmart.gov.au/home-loans/switching-home-loans 80. https://moneysmart.gov.au/home-loans/mortgage-switching-calculator 81. https://moneysmart.gov.au/home-loans/using-a-mortgage-broker 82. https://moneysmart.gov.au/home-loans/pay-off-your-mortgage-faster 83. https://moneysmart.gov.au/home-loans/problems-paying-your-mortgage 84. https://moneysmart.gov.au/home-loans/interest-only-home-loans 85. https://moneysmart.gov.au/home-loans/interest-only-mortgage-calculator 86. https://moneysmart.gov.au/managing-debt 87. https://moneysmart.gov.au/managing-debt/get-debt-under-control 88. https://moneysmart.gov.au/managing-debt/urgent-help-with-money 89. https://moneysmart.gov.au/managing-debt/financial-counselling 90. https://moneysmart.gov.au/managing-debt/financial-hardship 91. https://moneysmart.gov.au/managing-debt/problems-paying-your-bills-and-fines 92. https://moneysmart.gov.au/managing-debt/credit-scores-and-credit-reports 93. https://moneysmart.gov.au/managing-debt/credit-repair 94. https://moneysmart.gov.au/managing-debt/debt-consolidation-and-refinancing 95. https://moneysmart.gov.au/managing-debt/dealing-with-debt-collectors 96. https://moneysmart.gov.au/managing-debt/repossessed-car-or-goods 97. https://moneysmart.gov.au/managing-debt/bankruptcy-and-debt-agreements 98. https://moneysmart.gov.au/managing-debt/free-legal-advice 99. https://moneysmart.gov.au/managing-debt/net-worth-calculator 100. https://moneysmart.gov.au/retirement-income/prepare-to-retire#investing-and-planning 101. https://moneysmart.gov.au/how-to-invest 102. https://moneysmart.gov.au/how-to-invest/investor-toolkit 103. https://moneysmart.gov.au/how-to-invest/develop-an-investing-plan 104. https://moneysmart.gov.au/how-to-invest/choose-your-investments 105. https://moneysmart.gov.au/how-to-invest/diversification 106. https://moneysmart.gov.au/how-to-invest/investing-and-tax 107. https://moneysmart.gov.au/how-to-invest/borrowing-to-invest 108. https://moneysmart.gov.au/how-to-invest/keep-track-of-your-investments 109. https://moneysmart.gov.au/how-to-invest/environmental-social-governance-esg-investing 110. https://moneysmart.gov.au/financial-advice 111. https://moneysmart.gov.au/financial-advice/financial-advisers-register 112. https://moneysmart.gov.au/financial-advice/choosing-a-financial-adviser 113. https://moneysmart.gov.au/financial-advice/working-with-a-financial-adviser 114. https://moneysmart.gov.au/financial-advice/financial-advice-costs 115. https://moneysmart.gov.au/financial-advice/problems-with-a-financial-adviser 116. https://moneysmart.gov.au/shares 117. https://moneysmart.gov.au/shares/choosing-shares-to-buy 118. https://moneysmart.gov.au/shares/how-to-buy-and-sell-shares 119. https://moneysmart.gov.au/shares/keeping-track-of-your-shares 120. https://moneysmart.gov.au/shares/employee-share-schemes 121. https://moneysmart.gov.au/managed-funds-and-etfs 122. https://moneysmart.gov.au/managed-funds-and-etfs/managed-funds-fee-calculator 123. https://moneysmart.gov.au/managed-funds-and-etfs/choosing-a-managed-fund 124. https://moneysmart.gov.au/managed-funds-and-etfs/exchange-traded-funds-etfs 125. https://moneysmart.gov.au/managed-funds-and-etfs/hedge-funds 126. https://moneysmart.gov.au/managed-funds-and-etfs/listed-investment-companies-lics 127. https://moneysmart.gov.au/managed-funds-and-etfs/peer-to-peer-lending 128. https://moneysmart.gov.au/property-investment 129. https://moneysmart.gov.au/property-investment/property-schemes 130. https://moneysmart.gov.au/property-investment/timeshares 131. https://moneysmart.gov.au/property-investment/smsfs-and-property 132. https://moneysmart.gov.au/investments-paying-interest 133. https://moneysmart.gov.au/investments-paying-interest/bonds 134. https://moneysmart.gov.au/investments-paying-interest/debentures-secured-and-unsecured-notes 135. https://moneysmart.gov.au/investments-paying-interest/hybrid-securities-and-notes 136. https://moneysmart.gov.au/investment-warnings 137. https://moneysmart.gov.au/investment-warnings/cryptocurrencies 138. https://moneysmart.gov.au/investment-warnings/contracts-for-difference-cfds 139. https://moneysmart.gov.au/investment-warnings/investment-seminars 140. https://moneysmart.gov.au/investment-warnings/binary-options 141. https://moneysmart.gov.au/investment-warnings/land-banking 142. https://moneysmart.gov.au/investment-warnings/company-director-fraud 143. https://moneysmart.gov.au/investment-warnings/forex-trading 144. https://moneysmart.gov.au/retirement-income/prepare-to-retire#super-and-retirement 145. https://moneysmart.gov.au/how-super-works 146. https://moneysmart.gov.au/how-super-works/choosing-a-super-fund 147. https://moneysmart.gov.au/how-super-works/types-of-super-funds 148. https://moneysmart.gov.au/how-super-works/self-managed-super-fund-smsf 149. https://moneysmart.gov.au/how-super-works/getting-your-super 150. https://moneysmart.gov.au/how-super-works/find-lost-super 151. https://moneysmart.gov.au/how-super-works/consolidating-super-funds 152. https://moneysmart.gov.au/how-super-works/tax-and-super 153. https://moneysmart.gov.au/how-super-works/superannuation-calculator 154. https://moneysmart.gov.au/grow-your-super 155. https://moneysmart.gov.au/grow-your-super/employer-contributions-calculator 156. https://moneysmart.gov.au/grow-your-super/how-much-super-you-need 157. https://moneysmart.gov.au/grow-your-super/super-contributions 158. https://moneysmart.gov.au/grow-your-super/super-for-self-employed-people 159. https://moneysmart.gov.au/grow-your-super/super-investment-options 160. https://moneysmart.gov.au/grow-your-super/super-contributions-optimiser 161. https://moneysmart.gov.au/grow-your-super/how-to-check-your-super 162. https://moneysmart.gov.au/retirement-income 163. https://moneysmart.gov.au/retirement-income/prepare-to-retire 164. https://moneysmart.gov.au/retirement-income/age-pension-and-government-benefits 165. https://moneysmart.gov.au/retirement-income/super-and-pension-age-calculator 166. https://moneysmart.gov.au/retirement-income/transition-to-retirement 167. https://moneysmart.gov.au/retirement-income/retirement-planner 168. https://moneysmart.gov.au/retirement-income/account-based-pensions 169. https://moneysmart.gov.au/retirement-income/account-based-pension-calculator 170. https://moneysmart.gov.au/retirement-income/annuities 171. https://moneysmart.gov.au/retirement-income/super-lump-sum 172. https://moneysmart.gov.au/retirement-income/retirement-income-and-tax 173. https://moneysmart.gov.au/retirement-income/downsizing-in-retirement 174. https://moneysmart.gov.au/retirement-income/reverse-mortgage-and-home-equity-release 175. https://moneysmart.gov.au/retirement-income/reverse-mortgage-calculator 176. https://moneysmart.gov.au/living-in-retirement 177. https://moneysmart.gov.au/living-in-retirement/your-money-in-retirement 178. https://moneysmart.gov.au/living-in-retirement/aged-care 179. https://moneysmart.gov.au/living-in-retirement/your-home-in-retirement 180. https://moneysmart.gov.au/living-in-retirement/wills-and-powers-of-attorney 181. https://moneysmart.gov.au/living-in-retirement/paying-for-your-funeral 182. https://moneysmart.gov.au/living-in-retirement/supporting-older-australians 183. https://moneysmart.gov.au/living-in-retirement/financial-abuse 184. https://moneysmart.gov.au/living-in-retirement/memory-loss-dementia-and-your-money 185. https://moneysmart.gov.au/living-in-retirement/elder-care-and-seniors-support 186. https://moneysmart.gov.au/retirement-income/prepare-to-retire#insurance 187. https://moneysmart.gov.au/how-life-insurance-works 188. https://moneysmart.gov.au/how-life-insurance-works/life-insurance-calculator 189. https://moneysmart.gov.au/how-life-insurance-works/income-protection-insurance 190. https://moneysmart.gov.au/how-life-insurance-works/life-cover 191. https://moneysmart.gov.au/how-life-insurance-works/total-and-permanent-disability-tpd-insurance 192. https://moneysmart.gov.au/how-life-insurance-works/insurance-through-super 193. https://moneysmart.gov.au/how-life-insurance-works/life-insurance-claims-comparison-tool 194. https://moneysmart.gov.au/how-life-insurance-works/trauma-insurance 195. https://moneysmart.gov.au/how-life-insurance-works/making-a-life-insurance-claim 196. https://moneysmart.gov.au/car-insurance 197. https://moneysmart.gov.au/car-insurance/choosing-car-insurance 198. https://moneysmart.gov.au/car-insurance/claiming-on-your-car-insurance 199. https://moneysmart.gov.au/car-insurance/no-claim-bonus-on-car-insurance 200. https://moneysmart.gov.au/car-insurance/add-on-car-insurance 201. https://moneysmart.gov.au/home-insurance 202. https://moneysmart.gov.au/home-insurance/choosing-home-insurance 203. https://moneysmart.gov.au/home-insurance/contents-insurance 204. https://moneysmart.gov.au/home-insurance/storm-flood-and-fire-insurance 205. https://moneysmart.gov.au/home-insurance/how-to-make-a-home-insurance-claim 206. https://moneysmart.gov.au/add-on-insurance 207. https://moneysmart.gov.au/add-on-insurance/mobile-phone-tablet-and-laptop-insurance 208. https://moneysmart.gov.au/add-on-insurance/consumer-credit-insurance 209. https://moneysmart.gov.au/add-on-insurance/pet-insurance 210. https://moneysmart.gov.au/other-types-of-insurance 211. https://moneysmart.gov.au/other-types-of-insurance/health-insurance 212. https://moneysmart.gov.au/other-types-of-insurance/funeral-insurance 213. https://moneysmart.gov.au/other-types-of-insurance/travel-insurance 214. https://moneysmart.gov.au/dealing-with-natural-disasters 215. https://moneysmart.gov.au/dealing-with-natural-disasters/preparing-for-a-natural-disaster 216. https://moneysmart.gov.au/dealing-with-natural-disasters/what-to-do-after-a-natural-disaster 217. https://moneysmart.gov.au/dealing-with-natural-disasters/recovering-from-a-natural-disaster 218. https://moneysmart.gov.au/retirement-income/prepare-to-retire#scams 219. https://moneysmart.gov.au/online-safety 220. https://moneysmart.gov.au/online-safety/protect-yourself-from-scams 221. https://moneysmart.gov.au/online-safety/online-shopping 222. https://moneysmart.gov.au/online-safety/identity-theft 223. https://moneysmart.gov.au/online-safety/using-comparison-websites 224. https://moneysmart.gov.au/financial-scams 225. https://moneysmart.gov.au/financial-scams/banking-and-credit-scams 226. https://moneysmart.gov.au/financial-scams/crypto-scams 227. https://moneysmart.gov.au/financial-scams/imposter-bond-investment-scams 228. https://moneysmart.gov.au/financial-scams/investment-scams 229. https://moneysmart.gov.au/financial-scams/ponzi-schemes 230. https://moneysmart.gov.au/financial-scams/superannuation-scams 231. https://moneysmart.gov.au/check-and-report-scams 232. https://moneysmart.gov.au/check-and-report-scams/report-an-investment-scam 233. https://moneysmart.gov.au/check-and-report-scams/check-before-you-invest 234. https://moneysmart.gov.au/check-and-report-scams/investor-alert-list 235. https://moneysmart.gov.au/check-and-report-scams/what-to-do-if-you-ve-been-scammed 236. https://moneysmart.gov.au/retirement-income/prepare-to-retire#community 237. https://moneysmart.gov.au/find-unclaimed-money 238. https://moneysmart.gov.au/find-unclaimed-money/claim-money-from-bank-accounts-and-bank-dividends 239. https://moneysmart.gov.au/find-unclaimed-money/money-held-by-state-governments 240. https://moneysmart.gov.au/find-unclaimed-money/interest-paid-on-unclaimed-money 241. https://moneysmart.gov.au/find-unclaimed-money/asic-gazette 242. https://moneysmart.gov.au/find-unclaimed-money/claim-money-from-life-insurance-policies 243. https://moneysmart.gov.au/find-unclaimed-money/claim-money-from-shares-and-investments 244. https://moneysmart.gov.au/teaching 245. https://moneysmart.gov.au/teaching/lesson-plans 246. https://moneysmart.gov.au/teaching/teaching-consumer-and-financial-literacy 247. https://moneysmart.gov.au/student-life-and-money 248. https://moneysmart.gov.au/student-life-and-money/studying 249. https://moneysmart.gov.au/student-life-and-money/moving-out-of-home 250. https://moneysmart.gov.au/student-life-and-money/rental-bonds-and-leases 251. https://moneysmart.gov.au/student-life-and-money/getting-a-job 252. https://moneysmart.gov.au/student-life-and-money/credit-and-debt 253. https://moneysmart.gov.au/student-life-and-money/choosing-a-mobile-phone-plan 254. https://moneysmart.gov.au/student-life-and-money/buying-and-running-a-car 255. https://moneysmart.gov.au/publications-and-resources 256. https://moneysmart.gov.au/publications-and-resources/publications 257. https://moneysmart.gov.au/publications-and-resources/money-tips-in-other-languages 258. https://moneysmart.gov.au/indigenous 259. https://moneysmart.gov.au/indigenous/book-up 260. https://moneysmart.gov.au/indigenous/dealing-with-family-pressure-about-money 261. https://moneysmart.gov.au/indigenous/door-to-door-sales 262. https://moneysmart.gov.au/indigenous/managing-large-sums-of-money 263. https://moneysmart.gov.au/indigenous/paying-for-funerals 264. https://moneysmart.gov.au/indigenous/buying-a-hamper 265. https://moneysmart.gov.au/indigenous/superannuation 266. https://moneysmart.gov.au/indigenous/bank-accounts 267. https://moneysmart.gov.au/indigenous/cash-loans 268. https://moneysmart.gov.au/about-us 269. https://moneysmart.gov.au/contact-us 270. https://moneysmart.gov.au/glossary 271. https://moneysmart.gov.au/media-centre 272. https://www.facebook.com/MoneySmartAu 273. https://twitter.com/moneysmartteam 274. https://www.youtube.com/user/MoneySmartAu 275. https://www.instagram.com/moneysmartau/ 276. https://moneysmart.gov.au/retirement-income 277. https://moneysmart.gov.au/financial-advice 278. https://www.workforceaustralia.gov.au/individuals/coaching/careers/job-switch 279. https://moneysmart.gov.au/retirement-income/transition-to-retirement 280. https://moneysmart.gov.au/glossary/preservation-age 281. https://www.servicesaustralia.gov.au/work-bonus 282. https://moneysmart.gov.au/retirement-income/downsizing-in-retirement 283. https://www.servicesaustralia.gov.au/rent-assistance 284. https://ndh.org.au/debt-problems/rent/ 285. https://moneysmart.gov.au/budgeting/budget-planner 286. https://www.servicesaustralia.gov.au/financial-information-service 287. https://moneysmart.gov.au/retirement-income/retirement-planner 288. https://moneysmart.gov.au/shares/how-to-buy-and-sell-shares 289. https://moneysmart.gov.au/property-investment 290. https://moneysmart.gov.au/grow-your-super/super-contributions-optimiser 291. https://moneysmart.gov.au/saving/save-for-an-emergency-fund 292. https://moneysmart.gov.au/managing-debt/get-debt-under-control 293. https://moneysmart.gov.au/living-in-retirement/wills-and-powers-of-attorney 294. https://www.servicesaustralia.gov.au/financial-information-service 295. https://moneysmart.gov.au/financial-advice 296. https://www.ato.gov.au/individuals/super/withdrawing-and-using-your-super/tax-on-super-benefits/#Taxonsuperdeathbenefits 297. https://moneysmart.gov.au/how-to-complain 298. https://moneysmart.gov.au/check-and-report-scams/what-to-do-if-you-ve-been-scammed 299. https://asic.gov.au/about-asic/contact-us/how-to-complain/ 300. https://moneysmart.gov.au/managing-debt/urgent-help-with-money 301. https://moneysmart.gov.au/loans/no-interest-loans 302. https://moneysmart.gov.au/managing-debt/problems-paying-your-bills-and-fines 303. https://moneysmart.gov.au/home-loans/problems-paying-your-mortgage 304. https://moneysmart.gov.au/managing-debt/financial-counselling 305. https://moneysmart.gov.au/retirement-income/age-pension-and-government-benefits 306. https://moneysmart.gov.au/retirement-income/super-and-pension-age-calculator 307. https://moneysmart.gov.au/retirement-income/transition-to-retirement 308. https://moneysmart.gov.au/retirement-income/retirement-planner 309. https://moneysmart.gov.au/retirement-income/account-based-pensions 310. https://moneysmart.gov.au/retirement-income/account-based-pension-calculator 311. https://moneysmart.gov.au/retirement-income/annuities 312. https://moneysmart.gov.au/retirement-income/super-lump-sum 313. https://moneysmart.gov.au/retirement-income/retirement-income-and-tax 314. https://moneysmart.gov.au/retirement-income/downsizing-in-retirement 315. https://moneysmart.gov.au/retirement-income/reverse-mortgage-and-home-equity-release 316. https://moneysmart.gov.au/retirement-income/reverse-mortgage-calculator 317. https://moneysmart.gov.au/ 318. https://moneysmart.gov.au/about-us 319. https://moneysmart.gov.au/contact-us 320. https://moneysmart.gov.au/glossary 321. https://moneysmart.gov.au/media-centre 322. https://moneysmart.gov.au/subscribe-to-our-newsletter 323. https://moneysmart.gov.au/indigenous 324. https://www.facebook.com/MoneySmartAu 325. https://twitter.com/moneysmartteam 326. https://www.youtube.com/user/MoneySmartAu 327. https://www.instagram.com/moneysmartau/ 328. https://asic.gov.au/

Recent mirrors


im9 Image Hosting   » Images up to 9 MB, hotlinking & +18 images allowed - all that and much more for free!