📚 Retirement Planning Guides

Free expert guides to help you plan your retirement with confidence

Topic hubs

Curated collections — start here for SMSF, Age Pension, sequence risk, or retirement basics.

Retirement planning basics

How much super you need, drawdown strategies, Age Pension, sequence risk, and what to do in your 50s and 60s.

📘 Hub⏱ 15+ articles
Open hub

Age Pension hub

Asset test, income test, deeming, couples, homeowners, and strategies to maximise your pension.

📘 Hub⏱ 10+ articles
Open hub

Sequence of returns risk

Why when you retire matters as much as how much you have — Monte Carlo, historical crashes, and withdrawal strategies.

📘 Hub⏱ 8+ articles
Open hub

SMSF hub

Setup, compliance, investment strategy, property, LRBA, pension rules, and when an SMSF makes sense.

📘 Hub⏱ 12+ articles
Open hub

Popular guides

How much super do you need to retire?

ASFA standards, Age Pension, singles vs couples, and how to model your own target with real historical data.

📗 Guide⏱ 12 min read
Read guide

Age Pension eligibility & rates (2026)

Eligibility, rates, assets test, income test, and deeming — educational overview for 2026.

📗 Guide⏱ 8 min read
Read guide

SMSF contribution limits (2026–27)

Concessional cap, non-concessional cap, bring-forward, Division 293, and carry-forward rules.

📗 Guide⏱ 10 min read
Read guide

Transition to retirement (2026)

TTR pensions: eligibility, tax treatment, withdrawal limits, and common traps — general information only.

📗 Guide⏱ 7 min read
Read guide

Salary sacrifice vs after-tax contributions

Compare salary sacrifice and personal deductible contributions — tax treatment and caps explained.

📗 Guide⏱ 6 min read
Read guide

SMSF investment strategy template

What the ATO expects in an SMSF investment strategy document and how to document yours.

📗 Guide⏱ 8 min read
Read guide

Advanced Calculator: inflation & Monte Carlo

How CPI is modelled in historical runs vs Monte Carlo, and how to read success % with floor/ceiling and other strategies.

📘 Help⏱ 5 min read
Read guide

Ready to model your retirement?

Use the Advanced Calculator for historical backtests and Monte Carlo analysis.

Open Advanced Calculator