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December 2025 Retirement planner newsletter

Retirement planning for couples
Super can’t be held in joint names, but it does provide opportunities for couples to maximise their combined tax-free retirement income and streamline estate planning. Read more.
Retirement planning for couples
Super can’t be held in joint names, but it does provide opportunities for couples to maximise their combined tax-free retirement income and streamline estate planning. Read more.
Rethinking the role of your home in retirement
Home ownership provides a sense of security and wellbeing in retirement, but it could also be a potential source of income. Read more.
Rethinking the role of your home in retirement
Home ownership provides a sense of security and wellbeing in retirement, but it could also be a potential source of income. Read more.
How much super do I need if I don’t own a home?
Retirees who pay rent are likely to need more retirement income, and savings, to enjoy a similar standard of living to their home-owning peers. Read more.
How much super do I need if I don’t own a home?
Retirees who pay rent are likely to need more retirement income, and savings, to enjoy a similar standard of living to their home-owning peers. Read more.
Retiring overseas: Implications for your super and tax
Escaping to a dream location where the living is easy can be tempting for cash-strapped retirees, but there are some practical issues to be aware of before you make the… Read more.
Retiring overseas: Implications for your super and tax
Escaping to a dream location where the living is easy can be tempting for cash-strapped retirees, but there are some practical issues to be aware of before you make the… Read more.
How the rich invest
Wealthy Australians have surfed the wave of strong investment returns in 2025, with a disciplined approach and a growing appetite for alternative investments. Read more.
How the rich invest
Wealthy Australians have surfed the wave of strong investment returns in 2025, with a disciplined approach and a growing appetite for alternative investments. Read more.

SuperGuide members Q&A: December 2025

Wednesday 17 December 2025 at 11:00 am AEST

In this webinar super expert Garth McNally answers recent questions from SuperGuide members.

IN CASE YOU MISSED IT: Watch our previous webinar, The Epic Retirement Tick: Why it matters and which funds earned it.

Q: For a super balance of $700,000, starting a pension account after turning 60 and receiving yearly minimum payment. Each year withdraw a lump sum $100,000 from the pension account, and recontribute to a super account, and then immediately start a second pension account with this $100,000. Repeat this process in the following 6 years (assuming no interest being earned), the end result would be the total $700,000 would be tax-free, and investment income from this $700,000 during the whole process would be tax free as well. That is my understanding of the above situation after watching your webinar. Please advise.

A: Yes, this would be possible assuming you remain eligible to contribute to superannuation during the years in question. Withdrawals and re-contributions of amounts larger than $100,000 are also possible under the non-concessional cap and bring forward rule. 

To effectively plan for retirement, you need to know how long your savings may need to last. Instead of relying on averages, get a tailored estimate based on your lifestyle and health here.

Important: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629.