Subject to current rules, many clients use transition‑to‑retirement and flexible work patterns to phase into retirement while starting an income stream from their superannuation.
Retirement portfolios are structured to balance income needs, capital preservation and growth, often blending defensive assets for stability with growth assets to help combat inflation over time.
Depending on your circumstances, options may include account‑based pensions from super, allocated or fixed‑term annuities, investment income from non‑super portfolios and, where eligible, Age Pension support.
Newealth models your projected retirement income and capital using assumed returns, inflation and spending needs. We adjust strategies to improve the likelihood your funds last throughout retirement, giving you control over your retirement planning.
A retirement strategy is part of your holistic financial plan and includes superannuation, investments, debt, insurance and estate planning. With an effective strategy, you can transition from earning an income to drawing one, ideally starting years before you retire.
Super normally sits in a trust and does not automatically form part of your estate, so appropriate death benefit nominations and coordination with your broader estate plan are essential.
Yes, your super can have its own tailored asset mix that reflects your timeframe to retirement, risk profile and need for diversification alongside investments held in your personal name or other structures.
Contribution caps, age‑based rules and eligibility tests can significantly influence how much you can contribute and the potential tax outcomes, so Newealth structures contributions carefully around current legislation.
We can help you with contribution strategies, investment selection inside super, consolidating accounts, transition to retirement strategies and planning tax‑effective income streams in retirement. This gives you clarity and confidence with your superannuation.
Superannuation offers tax‑effective structures for long‑term investing, making it a cornerstone for funding retirement for many professionals, executives and families.
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Newealth helps professionals, executives and families plan, invest and protect their long-term financial future.
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Level 10, 276 Pitt Street
Sydney NSW 2000
P: +61 2 9267 2322
General Advice Warning: The information contained on this web site is general in nature and does not take into account your personal situation. You should consider whether the information is appropriate to your needs, and where appropriate, seek professional advice from a financial adviser.