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SUNCORP BANK RETIREMENT

Sep 26, 2013•
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By now, you’ve done most of the hard work: holding down a career and acquiring
assets to boost your financial situation along the way. Now, in the years
leading up to your retirement, it’s time to really start thinking about that
next phase of your life. And then, once you know what you want your retirement
lifestyle to look like, you need to know how you are going to fund it, and how
to access your money so it goes the distance. There are many ways to live your
retirement years – studying, volunteering, travelling. Maybe even working
part-time. But you certainly don’t want to spend your retirement worrying about
money. That’s where a little planning comes in. And the sooner you start
planning for retirement, the better off you’ll be when you get there. This book
is a guide to help you get a picture of your retirement, and then show you how
to get there, including steps to reach your nest egg goal. The second part of
this guide focuses on strategies to help you access your super once you’ve
reached your retirement age.Read less

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The Aviva Real Retirement Report - Spring 2014 by Aviva plc, has 20 slides with
714 views.

The Aviva Real Retirement Report - Spring 2014

Aviva plc
20 slides•714 views
Aviva's Spring 2014 Real Retirement Report explores over-55s' views on
retirement and what role their family plays in their plans. Findings from the
consumer research shows that for over-55s retirement is a period of pursuing
personal interests, hobbies and travel. However, family is important, and they
particularly want to spend more time with family members. But many over-55s are
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Aviva Real Retirement Report Autumn 2014 by Aviva plc, has 20 slides with 870
views.

Aviva Real Retirement Report Autumn 2014

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20 slides•870 views
The document summarizes findings from the Aviva Real Retirement Report about
finances and attitudes of over-55s in the UK. It finds that while incomes are
rising, many over-55s remain concerned about having enough money in retirement.
It also examines attitudes towards the new pension freedoms announced in the
2014 UK Budget, finding that while awareness is high, over half say the changes
don't affect them and most will continue with traditional retirement solutions
rather than accessing savings early. Spending is rising across many categories
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Social Security Claiming Guide by Christian Phillips, has 28 slides with 541
views.

Social Security Claiming Guide

Christian Phillips
28 slides•541 views
The document provides a guide to claiming Social Security benefits, which is
described as the most important financial decision most people will make. It
discusses how claiming later results in higher monthly benefits and explains
some key factors to consider in deciding when to claim benefits, such as
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Making your money last in retirement - Aviva's longevity report by Aviva plc,
has 20 slides with 617 views.

Making your money last in retirement - Aviva's longevity report

Aviva plc
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In our making your money last in retirement special report we compare and
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Social security ph 5 26-15 by geann123, has 54 slides with 412 views.

Social security ph 5 26-15

geann123
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This document provides information about when to start claiming Social Security
retirement benefits. It discusses that 35 years of earnings is the magic number
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Policy Debate: Longevity, health and public policy. How should policy-makers ...

ILC- UK
72 slides•4.5K views
Launch of ILC-UK Factpack, Ageing, longevity and demographic change, Supported
by Legal & General his important briefing event, for journalists and senior
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industry) is responding to the challenges. We will consider the extent to which
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pension age to 66 years from 2018, and 67 years from 2026. They have also
announced plans to automatically link state pension age with increased
longevity. Whilst the driver of change has partly been the need for Government
to cut spending and make fiscal savings, there is also a recognition that people
will be spending an increasing proportion of their lives in retirement. Although
we may be living longer on average, many are likely to be doing so in poor
health. In parts of the country life expectancy is much lower than the UK
average. In addition, on 26th June the Government will announce its latest
spending review. The impact of future spending demands of an ageing society will
undoubtedly influence this review so the event will consider the extent to which
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term demographic change and how the private sector can contribute. The event
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Family Finances report - Dec 2014

Aviva plc
28 slides•680 views
Aviva's biannual UK Family Finances report (December 2014) reveals that: > UK
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19 slides•845 views
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Retire Ready Presentation-NEAFCS-06-13-short-54 slides

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Retire Ready.ppt by Barbara O'Neill, has 42 slides with 1810 views.

Retire Ready.ppt

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42 slides•1.8K views
This document provides information to help people retire ready, including: - It
explores current U.S. retirement trends, discusses retirement planning tools,
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presented on health care costs, longevity, poverty rates, and disconnects
between planned and actual retirement. - Key retirement planning factors are
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This document summarizes a presentation by Dr. Ros Altmann on the need for
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longer retirements. Retirement should be seen as a process rather than an event.
3) Many workers want to work past retirement age to boost their income in
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Overcoming Inequalities: Addressing barriers to extending working lives

ILC- UK
248 slides•3K views
Socio-economic inequalities continue to present challenges to the Government’s
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pension age, 1 million people aged 50-64 have been forced out of work through a
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and Public Health Sciences, King's College London - Professor Jenny Head,
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Professor of Work and Employment, University of Kent - Dr Mai Stafford, renEWL -
Dr Charlotte Clark, Uncertain Futures Research Consortium - Peter Kelly, Senior
Psychologist, Health and Safety Executive - Nicola Lee, Employment Relations
Adviser, RCN - Dr Ewan Carr, renEWL - Professor Wendy Loretto, Uncertain Futures
Research Consortium - Patrick Thomson, Senior Programme Manager, Centre for
Ageing Better - Denise Keating, CEO, Employers Network for Equality and
Inclusion - Yvonne Sonsino, Innovation Leader, Mercer Europe and Pacific - Dr
Emily Murray, renEWL - Professor Chris Phillipson, Uncertain Futures Research
Consortium - Russell Taylor, DWP Fuller Working Lives Team - Caroline Abrahams,
Charity Director, Age UK - Professor Stephen Stansfeld, renEWL - Dr Joanne
Crawford, Uncertain Futures Research Consortium - Rachael Saunders, Business in
the Community

Why Retirement plan ( Things to remember while planning for retirement ) by
Singharoy Investment, has 26 slides with 1978 views.

Why Retirement plan ( Things to remember while planning for retirement )

Singharoy Investment
26 slides•2K views
The document discusses abuse and neglect of elders in India. It finds that 42%
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neglect or economic abuse. The main abusers were sons and daughters-in-law, and
over half of abused elders did not take action. The main context for abuse was
related to property. Most elders felt that regular income was the only way to
escape abuse. The document also discusses the importance of retirement planning
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retirement years.

The changing face of ageing: From baby boom to baby bust by ILC- UK, has 12
slides with 343 views.

The changing face of ageing: From baby boom to baby bust

ILC- UK
12 slides•343 views
The UK population has been growing at the rate of 0.4% % per cent annum. This
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pension age, housing market and inheritance

Planning for your Retirement by Tudor Franklin Independent Financial Advice, has
22 slides with 22 views.

Planning for your Retirement

Tudor Franklin Independent Financial Advice
22 slides•22 views
When it comes to planning for retirement, the earlier you start, the more
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regularly into your pension and forgetting about it. Instead, it is essential to
review your progress against your retirement goals and take account of changes
that may affect your plans. For more information visit
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Intro to Cash Value Life Insurance by lifeplanman, has 10 slides with 482 views.

Intro to Cash Value Life Insurance

lifeplanman
10 slides•482 views
This document provides an overview of the role of cash value life insurance in
retirement planning. It discusses how cash value life insurance can provide
benefits if the policyholder dies, becomes disabled, or lives to retirement. The
document outlines how cash value life insurance can serve as a source of
retirement income through policy loans and withdrawals. It also notes various
tax advantages of cash value life insurance, such as tax-deferred growth and
income tax-free death benefits. The document aims to educate readers on how cash
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planning.

Retire Ready by Barbara O'Neill, has 48 slides with 513 views.

Retire Ready

Barbara O'Neill
48 slides•513 views
This document provides information on retirement planning. It explores current
U.S. retirement trends, discusses retirement planning tools and tips, and
reviews sources of retirement income. Key messages emphasize starting to save
early and letting compound interest work to one's benefit. Sobering statistics
on health care costs, longevity, and poverty rates among older adults are
presented. Factors to consider in retirement planning like life expectancy,
sources of income, expenses, health, and personal choices are outlined. Online
resources for further retirement planning information are also provided.

29Oct14 - Productive Ageing - Dr Ros Altmann by ILC- UK, has 29 slides with 5196
views.

29Oct14 - Productive Ageing - Dr Ros Altmann

ILC- UK
29 slides•5.2K views
This Robert Butler Memorial Lecture, held on Wednesday 29th October 2014, was
part of the ILC Global Alliance visit to the UK. Robert Butler, founder of ILC
US, was a passionate believer in the importance of health and productive ageing
and we were honoured that Dr Ros Altmann, government’s Business Champion for
Older Workers agreed to give the Lecture.

13Mar14 - One Year On by ILC- UK, has 17 slides with 4778 views.

13Mar14 - One Year On

ILC- UK
17 slides•4.8K views
Are we ready to make the UK the best country to grow old in? One year ago, the
House of Lords Committee on Public Services and Demographic Change produced a
hard-hitting report which argued that the Government and society was “woefully
underprepared” for a rapidly ageing population. On the first anniversary of the
‘Ready for Ageing?’ report, we are in the unenviable position that sees the
United Kingdom ranked unlucky number 13 in a global index of the best countries
in the world to grow old in. The principal recommendations in the ‘Ready for
Ageing?’ report have not yet been properly addressed or acted on. In his October
2013 speech on ‘The Forgotten Million’, Secretary of State for Health, Jeremy
Hunt MP, set down a challenge that the UK should in fact aspire to be best
country to grow old in, but the question remains: why are our public services so
poorly prepared for major demographic change, and what as a society can we do to
ensure future generations of older people thrive in later life? Lord Filkin,
Chair of the Committee on Public Services and Demographic Change, hosted a House
of Lords breakfast debate looking forward to 2030, a date by which there will be
50% more people aged 65 and over in England and a doubling in the numbers of
people aged 85 and over. As a society, we need to prepare for the next 15 years
right now and certainly in the next Parliament. At this event, Independent Age
and ILC-UK, supported by members of the Ready for Ageing Alliance, launched 2030
Vision: Making the UK the best country to grow old in, which will look to the
long term and consider what politicians and policy makers need to now, both in
preparation for next year’s General Election, and between 2015 and 2020, to
prepare for the long term opportunities and challenges ahead. During the debate,
we invited contributions on the economic and societal implications of population
ageing and the major policy decisions all the main parties face to ready the UK
and its public services for dramatic population ageing. It’s clear that our
political, social and cultural approach towards old age today is already
hopelessly out of date, so this event will provide Parliamentarians and
stakeholders from across civil society with an opportunity to mark the first
anniversary of the House of Lords’ Committee report on demographic change and
look ahead, so as a society we can seize the opportunities presented by an
ageing population.

2 Biggest Retirement Misconceptions by DWilkins, has 2 slides with 175 views.

2 Biggest Retirement Misconceptions

DWilkins
2 slides•175 views
There are two common misconceptions about retirement planning that could harm
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years, when increased lifespans mean it may last 20-30 years or longer. The
second is being too conservative in investments and not accounting for
inflation, which can erode purchasing power over a long retirement. Proper
planning is needed to avoid running out of money in retirement given its
potential longer duration.

Preparing for the New Retirement by PICPA, has 1 slides with 150 views.

Preparing for the New Retirement

PICPA
1 slide•150 views
Americans are living longer today than in the past, so retirement planning needs
to account for potentially longer lifespans. It is important to start saving for
retirement early, with the recommendation being to save 10% of earnings starting
in your 20s and 30s to accumulate enough funds. Proper retirement planning
requires estimating expenses, developing a budget, and saving sufficiently to
fund 20 or 30 years of retirement without relying on chance.

Pension pots and how to survive them by ILC- UK, has 28 slides with 4307 views.

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varies from 66-67 depending on birth year. Waiting until age 70 provides the
maximum monthly benefit. A person's benefit is based on their 35 highest earning
years. Working longer than 35 years or delaying benefits can increase the
monthly amount. Spousal and survivor benefits are also available but may be
reduced or lost if claimed early or the recipient remarries before a certain
age.

Most people's retirement prospects are fairly bleak by MaxiLife, has 12 slides
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Deloitte's and HSBC have some pretty powerful information on your retirement
future. There's plenty of bad news but it is mostly fixable. You can accumulate
enough wealth to retire comfortably if you take some action now. Visit
www.maxilife.com.au and find out how!

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This document provides an overview of key retirement planning questions and
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retirement planning mistakes and describes the "retirement grief cycle" people
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managers crystallise their ideas, focus their efforts and monitor performance
against established objectives. Externally, the business plan can act as a
medium for attracting finance for start-ups or expansion. INTRODUCTION For many
people, the experience of raising finance is a new one. Many opportunities
presented to financiers are subsequently rejected. It is essential, therefore,
that the entrepreneur prepares a quality document. The objective of this
work-pack is to help you prepare just such a document by providing you with the
headings which need to be covered. CONTENTS The business plan should summarise
the proposed activity and the prospects for success for the venture, paying
particular attention to factors that are critical to success or failure. The
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S W O T- STRENGTH WEAKNESS OPPORTUNITY THREAT. INTERNAL AND EXTERNAL FACTORS.
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SUNCORP BANK RETIREMENT

* 1. Thinking about retirement A guide to help you plan and fund your
retirement lifestyle
* 3. 1Suncorp WealthSmart™ – Thinking about retirement By now, you’ve done most
of the hard work: holding down a career and acquiring assets to boost your
financial situation along the way. Now, in the years leading up to your
retirement, it’s time to really start thinking about that next phase of your
life. And then, once you know what you want your retirement lifestyle to look
like, you need to know how you are going to fund it, and how to access your
money so it goes the distance. How to plan and fund your retirement There are
many ways to live your retirement years – studying, volunteering, travelling.
Maybe even working part-time. But you certainly don’t want to spend your
retirement worrying about money. That’s where a little planning comes in. And
the sooner you start planning for retirement, the better off you’ll be when
you get there. This book is a guide to help you get a picture of your
retirement, and then show you how to get there, including steps to reach your
nest egg goal. The second part of this guide focuses on strategies to help
you access your super once you’ve reached your retirement age, and make it
last as long as you’ll need it. Remember - you don’t have to do it alone.
Your financial planner can help you implement strategies suitable for your
individual needs.
* 4. 2 Suncorp The changing face of retirement A longer, more fulfilling
retirement People no longer seem to spend a brief retirement of five or ten
years in frailty and ill health. Instead, more people are enjoying a long,
healthy, active retirement. As a result, retirement is no longer just for
‘seniors’. Rather, it is two- phased: the early (active) years, followed by
the later (more restful) years. Our general expectation of our retirement
lifestyle has also changed. Many retirees now look to work and travel in
retirement and maintain an active lifestyle. Whatever your retirement ends up
looking like, no doubt it will be very different from your parents’
retirement. And different again from the type of retirement your
grandparents had. That also means it is likely to be more expensive. But, a
little planning – and budgeting – goes a long way. So start thinking about
your retirement, today. 1 Association of Superannuation Funds Australia,
Clare R ‘A less than super future’ 2005 Take a closer look at your super Over
the years your super balance has been accumulating – a result of your
employer’s contributions to your fund (super guarantee), your personal
additional contributions, and your investment choice. But is it enough to
fund your retirement lifestyle – and will it go the distance? Compulsory
superannuation was introduced in Australia in 1993, so for many people
they’ve only been funding their retirement for less than 20 years. In the
years leading up to retirement, when most of your debts are paid off, and
you’re still working, it’s a good opportunity to make the most of your super
in preparation for retirement. In 1975 we retired at 64* and had a life
expectancy of 72.9# Today we retire at 58* but have a life expectancy of
80.9# 1975 Working life Retirement 2005 Working life Retirement Today we are
retiring earlier and living longer. * Asteron/UNSW Effects of Longevity
Improvements on Retirement Funding, 2006. # Calculations based on Australian
Historial Population Statistics Cat 3105.0.65.001 and 'Life Expectency',
Deaths Australia Cat 3302 2005. Of the retiring baby boomers: 40% will spend
25 years in retirement; 40% will spend 35 years; and 10% will spend 35+ years
in retirement.1
* 5. 3Suncorp WealthSmart™ – Thinking about retirement A snapshot of retirement
today2 • As well as helping to fund their retirement lifestyle, many people
like to stay connected to the workforce. 46% of retirees want to work
part-time in retirement. • 73% of retirees want to travel overseas and 40%
want to travel Australia in their early retirement years. Too many
Australians don’t plan appropriately for the years they will spend in
retirement, thinking that their compulsory super contributions will be enough
to fund their lifestyle of choice. And if not, there’s always the Age
Pension. The truth is, however, that many Australians retire without having
saved enough to enjoy the kind of lifestyle they imagined. And the Age
Pension at $18,229 per annum for a single person and $27,482 for a couple3
doesn’t go far. 2 Asteron/Stellar research, June 2006 3 Centrelink rates from
1 July 2010 4 Association of Superannuation Funds of Australia, Westpac-ASFA
Retirement Standard, March Quarter 2010 www.superannuation.asn.au The cost of
retirement today The Association of Superannuation Funds of Australia
estimates the cost of a ‘comfortable’ retirement at $39,159 per annum for
singles and $53,565 per annum for couples.4 But this is still not a carefree
lifestyle – budgeting is still required!
* 6. 4 Suncorp The age of longevity If 50 is the new 40, then 95 is the new 85!
Many people see 85 to be a good ‘end date’ to use when thinking about their
retirement. But the truth is, more than half of today’s 65 year olds will
live beyond 85.5 Your retirement planning should factor in longevity, so that
you don’t risk outliving your retirement savings. 1900 1920 1932 1946 1953
1960 1965 1970 1975 1980 Year 1985 1990 1995 2000 2005 2010 2015 2020 2025 0%
10% 20% 30% 40% 50% 60% 70% 80% Female Male Projected Probability 5 Source,
ABS, Australian Life Expectancy Tables, 2000 – 20002. Projection for 2010 –
2025 were determined by Asteron based on historic rates of mortality
improvements • Approximately 70% of today’s 65-year-old women will live
beyond age 85. • Approximately 75% of 65-year- old women in 2015 will live
beyond age 85.5 Probability of a 65 year old living beyond age 85
* 7. 5Suncorp WealthSmart™ – Thinking about retirement The ageing Australian
population Australia’s population will soon be retiree-heavy – this is
because the large ‘baby boomer’ generation (born 1946 – 1961) are all at, or
approaching, retirement age. • The fastest-growing segment of the population
is the group aged 85+ • Over the last 20 years, the number of Australians
aged 85+ has increased by 165% • Total population growth was 29% over the
same period6 6 ABS Population by Age and Sex, Australian States and
Territories, Cat 3201 June 2008 Age 100 90 80 70 60 50 Males Females 40 30 20
10 0 50 Population (thousands)Population (thousands) 50 100100 150150 200200
Start: 1971 End: 2051 1980 2000 2020 2040 Age 100 90 80 70 60 50 40 30 20 10
0 50 Population (thousands)Population (thousands) 50 100100 150150 200200
Start: 1971 End: 2051 1980 2000 2020 2040 Males Females 2005
Total (mil.): 20.3 2025 Total (mil.): 24.7 * Projected Data Population
pyramids – our ageing population Population pyramid 2005 Population pyramid
2025 In 2005 the large baby boomer population, represented by the 'bulge' on
the graph, is still generally working. In 20 years, the bulge has shifted up.
More people have moved into retirement, while there are fewer people of
working age to support them. The group aged 85 years+ has increased
dramatically. Source: ABS Population Pyramids www.abs.gov.au With more
retirees, and fewer people of working age there will be greater pressure on
the government for health care and welfare assistance.
* 8. 6 Suncorp Know what you want – and how to get there Three easy steps
Spending more time in retirement means you’re going to be spending more
in retirement. Whether you are an early retiree who is active and healthy or
in the later stages of retirement, needing support and care, retirement costs
money. It is important to plan for all stages of retirement to help you
retain your financial independence for life – however long that may be. The
first big question you need to answer is: how much is enough? Understanding
how much money you’ll need to fund your retirement lifestyle can be tricky. A
rule of thumb is to take 65% of your pre-retirement income. This is because
by the time you retire you won’t have a lot of the big expenses you used to –
like paying off your mortgage, kids’ school fees and other costs involved in
raising a family. But it’s also important to remember that while some things
will cost less in retirement, you will have some other increased – and new –
expenses, such as aged care. Step 1 – How much is enough? The best way to
understand how much you’ll need in retirement is to have a think about your
retirement lifestyle, and the costs associated with it. The following budget
breakdown is a good way to get a rough idea of the cost of a ‘comfortable’
retirement.7 This budget breakdown is for a comfortable – but not
financially-carefree – retirement lifestyle. And it assumes you’ve paid off
your major expense, the family home. Estimate your retirement lifestyle
budget below. 7 Assocation of Superannuation Funds Australia, Westpac-ASFA
Retirement Living Standard, detailed budget breakdowns, March Quarter 2010
Modest lifestyle Comfortable lifestyle Weekly outgoings Single Couple Single
Couple You Housing – ongoing only $54.08 $51.91 $62.68 $72.66 Energy $28.81
$38.27 $29.24 $39.65 Food $71.76 $148.65 $102.52 $184.53 Clothing $17.72
$28.77 $38.36 $57.54 Household goods and services $25.73 $34.89 $72.39 $84.80
Health $33.04 $63.77 $65.56 $115.70 Transport $88.31 $90.81 $131.60 $134.10
Leisure $73.72 $109.84 $223.41 $306.16 Communications $9.18 $16.08 $25.24
$32.12 Total per week $402.37 $582.99 $750.99 $1,027.27 Total per year
$20,981 $30,399 $39,159 $53,565
* 9. 7Suncorp WealthSmart™ – Thinking about retirement Step 2 – Your nest egg
goal Working through the retirement lifestyle budget probably gets you
thinking about how you will spend your money when you are retired. And
wondering where it’s going to come from. Once you have an estimate of what
your retirement lifestyle will cost, you can start thinking about how much
you need to accumulate before you retire to achieve this lifestyle. Your nest
egg goal is calculated based on your retirement lifestyle budget and the
number of years you anticipate you will spend in retirement. How much will I
need?* Single person Years in Retirement Annual retirement income 20 years 25
years 30 years 35 years $20,000 $25,000 $30,000 $35,000 $40,000 $30,000
$155,000 $175,000 $200,000 $230,000 $40,000 $300,000 $375,000 $445,000
$525,000 $50,000 $480,000 $590,000 $700,000 $795,000 When you’re working out
your nest egg goal don’t forget to add in any major one-off capital expenses
such as extra money for aged care, a house renovation or a new car. And if
you think you’ll still have debt (like your mortgage) in retirement, factor
those payments in too. *Amounts rounded to nearest $5,000. Note: Based on
single person who owns own home with no other assets or income and receives
the Age Pension. Assumes money invested in superannuation and rolled to an
allocated pension with Balanced rate of return of 7.24%. Investing in your
retirement Your nest egg goal is the amount you are aiming for to meet your
retirement lifestyle expectations. You don’t have to save exactly this
amount. The beauty of the super environment is that your money is invested
and should grow over time. The earnings can help you to reach your goal.
* 10. 8 Suncorp What about the Age Pension? In Australia, we have a
‘three-pillars’ approach to helping people create financial independence in
retirement.9 1. Compulsory employer super contributions (super guarantee) 2.
Additional savings and contributions you make to top up your super 3. A
government ‘safety net’ – the Age Pension system (which is means tested) The
Age Pension is a government-funded income paid to eligible retirees. It’s a
safety net for retirees to fall back on, and it can be used to top up your
retirement income. But the Age Pension only pays you up to $18,229 per annum
for singles and $27,482 per annum for a couple10 , which is approximately 28%
of the Average Weekly Ordinary Time Earnings in Australia11 and approximates
the poverty line.12 Relying solely on the Age Pension could impact your
lifestyle. The government assesses your eligibility for the Age Pension by
calculating your other income and assets. Currently those single individuals
with income up to $146 per fortnight and homeowners with assets (excluding
their home) up to $181,750 ($313,250 non-homeowners) are eligible for the
full Age Pension. Couples with combined income up to $256 per fortnight and
combined assets up to $255,000 (homeowners) and $389,500 (non- homeowners)
are eligible for the full Age Pension.11 Put a financial plan in place now,
to minimise your future reliance on the Age Pension and to give you peace of
mind about your financial security in retirement. Step 3 – Sprint to super
Relying on your compulsory employer super contributions and social security
alone is probably not enough to get you to your retirement goal. But there
are strategies that you and your financial planner can implement to make the
most of your super while you’re still working. And then, you can structure
your income in retirement to give you the lifestyle you want. Investing in
your super is one of the most tax-effective ways to save for your retirement.
And there are also some great incentives to encourage you to invest in super
and help your money grow exponentially in time for retirement. Sprint to
super in the years leading up to retirement with the following strategies.
After-tax contributions After-tax contributions – sometimes called personal
contributions, or non-concessional contributions – are deposits into your
super fund by you from your take-home (post-tax) salary. Because the
government has already taken tax out, these contributions are not taxed when
you deposit them into your super fund, and they are not taxed when withdrawn
after you reach retirement. There is a maximum after-tax contribution limit
of $150,000 per financial year. People under age 65 can make three years
contributions in one year, which means you can contribute up to $450,000 –
but then can’t contribute for the remaining two years. If you are aged 65 to
74 you need to meet a work test to be eligible to contribute, which means you
must work at least 40 hours in 30 consecutive days in that financial year.
Salary sacrifice Salary sacrificing a portion of your pre-tax salary into
your super fund is one of the most tax-efficient ways to boost your super
account and reduce your income tax. Rather than paying income tax of up to
46.5% (including Medicare levy), you will only pay super contributions tax of
15% on whatever you contribute into your super fund. This tax is deducted
within the fund. This means for someone who is on the highest marginal tax
rate of 46.5% it’s the difference between investing 53.5 cents in every
dollar and investing 85 cents in every dollar. 9 ‘Averting the old age
crisis’ – a World Bank Policy Research Report; www.treasury.gov.au 10
Centrelink rates from 1 July 2010 11 ABS, Average Weekly Earnings Australia
May 2010 Cat 6302 12 Melbourne institute of Applied Economics and Social
Research, Poverty Lines: Australia, September Quarter 2008
* 11. 9Suncorp WealthSmart™ – Thinking about retirement Government
co-contributions Employees on lower incomes can use government
co-contributions to increase their super. If you earn less than $31,920 pa
and you make a $1,000 after-tax contribution, the Australian Government will
contribute $1,000 to your retirement savings. If you earn between $31,920 and
$61,920 per annum you can receive a proportion of the $1,000 government
contribution, paid on a sliding scale depending on how much you contribute
and how much you earn. The after-tax contributions you make, and the
co-contributions you receive are not taxed when they are deposited into your
super fund, though earnings are taxed at 15% within the fund. After-tax
contributions and co-contributions will also be received tax-free when paid
out in retirement. Self-employed people are also eligible for the
co-contribution.
* 12. 10 Suncorp Retirement income streams Converting your super to an income
stream is known as ‘rolling it over’, because you don’t touch it, and it
remains in the tax-effective superannuation environment. An income stream,
such as an allocated pension, provides regular income to meet your retirement
needs. Similar to a salary payment, an amount is paid into your bank account
regularly (usually monthly or quarterly). Because your nest egg is still in
the super environment, this means it will continue working for you, just as
it did when you were still accumulating super, and the earnings are now
tax-free. But it also means it will continue to fluctuate with the market,
depending on the investment options you have chosen. From the age of 60,
income streams will be received tax- free, and you may also get some
Centrelink advantages from keeping your money in the super environment. Lump
sum Drawing down a lump sum is tax-free for people at least age 60, but
remember once you take your money out of the tax-effective super environment
you’ll have to manage your savings yourself – with some help from your
financial planner of course. You’ve also got some decisions to make, which
can affect how you access your super, and when. • Are you ready to completely
retire from the workforce? • Do you want to work part-time and transition to
retirement? • Do you want to take part of your super as a lump sum? • Can you
maximise Centrelink or Department of Veterans’ Affairs benefits? The
fundamentals of retirement – income stream, lump sum or both? In the current
super environment, you have a couple of options available to you once you
reach your ‘preservation age’ – that is the age at which you can access your
preserved funds, depending on when you were born. You can also access your
super upon reaching age 65. From age 55 you can access your super as an
income stream, and then from age 65 you can withdraw all or part of your
super as a lump sum and/or convert it to an income stream. Accessing your
super As you approach your retirement age, it is time to decide how to turn
your super into income – bearing in mind that your superannuation needs to
support the lifestyle that you want for as long as you require it.
* 13. 11Suncorp WealthSmart™ – Thinking about retirement … and Centrelink Many
people are eligible to receive Centrelink or Department of Veterans’ Affairs
payments such as the Age Pension to supplement or top up their private
income. To receive the Age Pension, your income and assets are subject to
means testing, but you may be able to structure your retirement savings to
increase your eligibility for the Age Pension through retirement income
streams. Retirement income stream products can provide favourable treatment
under the Centrelink income test. It is important to seek advice from your
financial planner when considering Centrelink benefits, so they can help you
structure your income and assets correctly. Maximise your super …. ... by
moving assets into super You may have accumulated assets and investments
outside super, in which case you can consider cashing them in to make a
contribution to super before you reach age 65 or retire (subject to
contribution limits). If you are considering moving assets into super, seek
advice from your financial planner to ensure you are eligible and consider
all of the tax implications. This applies particularly if you are planning on
selling a business – there are different rules for money resulting from the
sale of a business.
* 14. 12 Suncorp If you’re nearing retirement and need to boost your super – or
aren’t ready to retire completely – transitioning to retirement may help you
achieve your goals. And it’s a strategy you can implement even if you’re
still working fulltime. Transition to retirement Transition to retirement
(TTR) is only available if you are aged 55 or over, and is particularly
beneficial for those aged 60 or over, because then you receive your pension
tax-free. TTR works by taking advantage of the different tax rates inside and
outside super. The strategy has two benefits: 1. It allows you to ‘test the
water’ before retiring completely – perhaps by reducing from full-time to
part-time work, but without reducing your income. 2. If you are happy to keep
working full-time, it enables you to give your superannuation balance a
boost. How does it work? For people who want to reduce to part-time work, TTR
involves starting an allocated pension to top up your income so that your
take-home pay remains unchanged. For those seeking to boost their super
balances, it involves salary sacrificing some of your income, and restoring
your take home pay to its previous level by drawing income from an allocated
pension. When you commence a pension, investment earnings on your nest egg
are no longer taxed at up to 15%. Pension payments also have some tax
advantages over salary. So this strategy can provide tax savings – which,
combined with tax-free earnings, can boost your superannuation account
balance and provide a better retirement nest egg for you. Step 1 Your salary
is split into two parts: • Some is salary sacrificed straight into super •
The rest is paid as cash salary to you. Step 2 The money that is currently in
your superannuation fund is rolled over to start an allocated pension. The
pension payments are used to top up your income. You can choose how much
income to receive each year. Between age 55 and 65 the minimum pension you
will normally have to take is 4% of your account balance and the maximum
is 10%. However, for the 2010/11 financial year, the mimimum pension is only
2% of your account balance. Sacrifice a portion (limits apply) Pension income
(limits 10% account balance) Cash net salary Salary Superannuation Allocated
Pension (non-commutable) How does TTR work?
* 15. 13Suncorp WealthSmart™ – Thinking about retirement 13 Net income in the
first year – based on 2010/2011 tax rates. * This general information is an
example only and should not be relied on as advice for that particular
person. Each person should consider their own circumstances and seek
appropriate advice. ** Non-commutable means you cannot withdraw lump sum
amounts from your pension until you retire or reach age 65. Case study –
Peter* Peter is aged 55 and earns $60,000 pa. His net income after tax is
$48,000.13 He is not contributing to super but his employer pays the
compulsory 9% superannuation guarantee. This has 15% tax deducted in the fund
so his net super contribution is $4,590. If his super fund earns 7% per
annum, at the end of the year Peter’s balance has grown to $322,440. Peter
decides to use a transition to retirement strategy to boost his super: Step 1
He arranges for his employer to salary sacrifice $23,000 into his super fund,
and receives $37,000 cash salary (less tax). His employer still pays 9% super
on his full $60,000 package. Step 2 Peter rolls his $300,000 superannuation
balance to a non-commutable allocated pension.** He can choose an income
between $6,000 (2%) and $30,000 (10%) so he decides to take $18,220 to
supplement his cash salary. This gives him a net income of $48,000 – the same
as he had before implementing the strategy. The table below demonstrates the
year one net value to Peter’s super balance when using the transition to
retirement strategy. Without Transition to Retirement With Transition to
Retirement Initial super balance $300,000 $300,000 Super contributions
(gross) $5,400 $28,400 Contributions tax $810 $4,260 Growth in fund $21,000
$21,000 Tax on growth $3,150 $0 Pension income $0 $18,220 Peter’s super
balance after one year $322,440 $326,920 So the net result for Peter is that
he has boosted his super balance by $4,480 at the end of one year without
reducing his take home pay. And if Peter was age 60, the tax savings would be
even greater and his super balance would be boosted even more.
* 16. 14 Suncorp Ready to shift into ‘full-time’ retirement? Allocated (or
account–based) pensions are currently the most common type of retirement
income stream. They provide retirees with a flexible income. An allocated
pension can only be purchased with superannuation money. You can specify the
amount of income you wish to receive each year (above government minimums).
You can also withdraw money from the allocated pension at any time. Allocated
pensions allow you to nominate how your money is invested while you are
drawing down your income from it, and the account balance fluctuates
according to the performance of the underlying investments you choose. But
remember, since the performance of an allocated pension is not guaranteed,
you can’t be certain that the pension will last throughout retirement. Upon
death, any remaining account balance is payable to your beneficiaries. While
the allocated pension is treated favourably for the Age Pension income test,
the full account balance is included in the assets test. Allocated pensions
Don’t forget to factor in longevity Your financial planner can help you
structure your retirement savings so that it lasts as long as you do! Drawing
down on your allocated pension too heavily could see your super run out.
* 17. 15Suncorp WealthSmart™ – Thinking about retirement Assumptions: Taxation
and Centrelink rates and thresholds effective 1 July 2010 Projections assume
expenses are inflated at 3% (CPI), income at 4.5% (AWOTE) and Tax items at
1.00% The gross investment return for the Balanced profile is 7.24% made up
of Income 4.15% and Growth 3.09% This example is intended for illustrative
purposes only and is not an estimate, forecast, guarantee of performance or
payment indicator. Total net asset and cost of living projection – Rob and
Anne 500,000 600,000 60,000 50,000 40,000 30,000 20,000 10,000 100959085 Age
Cost of Living Income ($) Total Net Assets ($) 80757065 400,000 300,000
200,000 100,000 Liquid Assets ABP Income Capital DrawdownCentrelink
Cost of Living Total Net Assets 14 Centrelink rates effective 1 July 2010 *
This general information is an example only and should not be relied on as
advice for that particular person. Each person should consider their own
circumstances and seek appropriate advice. Case study – Rob and Anne* Rob and
Anne are both aged 65. Rob has $500,000 in super, while Anne is a homemaker,
and doesn’t have a superannuation balance. They have calculated that they
need an income of $55,000 per year (after tax) for a comfortable lifestyle.
To maximise their retirement savings their planner suggests rolling all of
Rob’s super into an allocated pension with a balanced risk profile – half is
invested in shares, and half in cash/fixed interest. Rob and Anne can receive
the $55,000 per annum income they need through a combination of allocated
pension and Age Pension, until their money runs out at age 92. After this
time, Rob and Anne will only have access to the full Age Pension of $27,482
per annum. If only one of them is still alive, the Age Pension is $18,229 per
annum.14 The graph below shows Rob and Anne’s level of income each year and
their assets reducing, until they run out at age 92.
* 18. 16 Suncorp What next? Protect your wealth Protecting your wealth is just
as important as growing it. Speak to your financial planner about putting
appropriate insurance strategies in place to protect your future plans. Make
sure your super fund has your tax file number It is important to make sure
that your super fund has a record of your tax file number. If it doesn’t, you
may incur tax penalties, and if you are still contributing to super your fund
may not be able to accept your contributions. Wills and estate planning The
last thing any of us want to do is leave our family to have to deal with any
confusion about our intentions for our estate. Your financial planner can
tell you how to keep your super fund up to date with your beneficiary
nominations, and can also refer you to a specialist who can organise your
will and manage estate planning issues. Further reading You may want to do
some further research into retirement lifestyles and superannuation. There
are many resources available online, or in hard copy, to help you understand
superannuation – and to help you get a picture of your retirement lifestyle.
About Seniors – www.aboutseniors.com.au Association of Superannuation Funds
Australia – www. superannuation.asn.au Australian Bureau of Statistics –
www.abs.gov.au Australian Taxation Office – www.ato.gov.au Australian
Securities and Investments Commission – www. asic.gov.au/fido Financial
Planning Association – www.fpa.asn.au Superliving – www.superliving.com.au
Your life, your retirement – www.yourlifechoices.com.au The importance
of advice Getting the right strategies for you, and your unique situation,
takes some planning. After all, your retirement income will need to last for
as long as you do. To help you afford the retirement lifestyle that you
imagine, financial advice is vital. A financial planner can assist you in
calculating an approximate retirement nest egg and then help you maximise
your retirement income with tax-effective strategies. The initial outlay of
the cost of your financial plan, and ongoing financial advice, is often
negligible in comparison to the reassurance you get from knowing you are
making your money last as long as you need it. By putting in place a plan for
retirement now, you can spend the next few years thinking about the years
ahead, and not worrying about what your future retirement holds.
* 19. 17Suncorp WealthSmart™ – Thinking about retirement Important note This
information is current as at 1 January 2012 and may be subject to change.
This information is general advice and doesn’t take into account a person’s
objectives, financial situation or needs. A person should consider the
Product Disclosure Statement (PDS) available at www.suncorp.com.au and
consider obtaining financial advice before making any decision about this
product. This product is not a bank deposit or other bank liability. Products
and services are provided by different entities in the Suncorp Group and each
entity is not responsible for, does not guarantee and is not liable in any
respect for products or services of other Suncorp entities. Issuer Suncorp
Life Superannuation Limited ABN 87 073 979 530 AFS Licence No 229880. Suncorp
Portfolio Services Limited ABN 61 063 427 958 AFS Licence No 237905 RSE
Licence No L0002059.
* 20. 1485401/01/12A How to contact us: Suncorp WealthSmart™ GPO Box 2585
Brisbane QLD 4001 07 3002 3259 @ suncorpwealthsmart@suncorp.com.au 13 11 55
and ask for ‘Super’ suncorp.com.au

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