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Money
Money Questions
Your Money Questions & Answers
Retirement Income
‘If I’m in a tough spot financially, is it smart to move to an income stream?’
"Creating a super income stream because you 'need' to isn't always the right approach."
Money Expert
Jim Kilkenny
Estate planning
‘Should I have contested my partner’s will after his kids got everything?’
‘Should I have contested my partner’s will after his kids got everything?’
"There is probably not a lot to gain from a 'shoulda' or 'coulda' analysis."
Money Expert
Brian Herd
Estate planning
‘Will my son have to pay CGT on his inheritance when I die?’
‘Will my son have to pay CGT on his inheritance when I die?’
Inheriting a property AND shares is fortunate but selling them can come with a cost.
Money Expert
Geoffrey Armstrong
Retirement Income
‘Can a 58-year-old, full-time worker use their super to pay off a mortgage?’
‘Can a 58-year-old, full-time worker use their super to pay off a mortgage?’
Heard of unrestricted non-preserved benefits? Nope? Nor have most people, but there's a slim chance they could hold the answer.
Money Expert
Jim Kilkenny
Estate planning
‘Should I give my home to my daughter now or will it to her?’
‘Should I give my home to my daughter now or will it to her?’
"I have seen many of these types of arrangements fall down because no one applied the 'what if' analysis."
Money Expert
Brian Herd
Estate planning
‘I’ll receive my husband’s estate, but how can I stop his son challenging MY will?’
‘I’ll receive my husband’s estate, but how can I stop his son challenging MY will?’
If you haven't heard of a statement of wishes before, now's the time to learn!
Money Expert
Brian Herd
Estate planning
‘Can my ex-wife’s new partner rob our kids of her home if she dies?’
‘Can my ex-wife’s new partner rob our kids of her home if she dies?’
There are several hurdles a de facto partner must jump to successfully challenge a will. But it's not impossible.
Money Expert
Brian Herd
Estate planning
‘How can I ensure my son inherits my home without impacting my de facto?’
‘How can I ensure my son inherits my home without impacting my de facto?’
"I want my partner to be able to live comfortably should anything happen to me but not to the detriment of my son."
Money Expert
Brian Herd
Estate planning
‘Can my estranged brother fight my attempt to sell our late dad’s house?’
‘Can my estranged brother fight my attempt to sell our late dad’s house?’
"I've received no benefit from my father’s will over the past 37 years, unlike Dad's de facto wife or my half-brother, who've lived rent-free for all of that time."
Money Expert
Brian Herd
Retirement Income
‘I have $400K from a property sale. Should I put it into my super fund?’
‘I have $400K from a property sale. Should I put it into my super fund?’
"You could just pay a financial adviser to sort all this out for you, but there’s merit in learning as much as you can yourself beforehand."
Money Expert
Tom Ellison
Money
‘What’s fair for a financial adviser to charge in the current financial climate?’
‘What’s fair for a financial adviser to charge in the current financial climate?’
"There is a famous and very apt adage applying to this issue which goes 'price is only a concern in the absence of value'!"
Money Expert
Jim Kilkenny
Downsizing your home
‘How will buying in a retirement community impact the estate I leave?’
‘How will buying in a retirement community impact the estate I leave?’
Starts at 60’s free ‘Downsizing Essentials’ e-guide can help you break down the financials of retirement living in one simple exercise.
PROPERTY EXPERT
Rachel Lane
Age Pension
‘If I release $600,000 in home equity, how will it impact my Age Pension?’
‘If I release $600,000 in home equity, how will it impact my Age Pension?’
Making the wrong move here could have the impact of entirely removing this reader’s pension eligibility.
PROPERTY EXPERT
Rachel Lane
Retirement Income
‘What’s a reasonable amount to pay in super fees and charges?’
‘What’s a reasonable amount to pay in super fees and charges?’
"If you’re paying 2.0 per cent or more, then you’re probably indirectly paying for someone’s leased BMW and pony club membership."
Money Expert
Tom Ellison
Age Pension
‘I’m worried that releasing $200K in home equity will impact my pension?’
‘I’m worried that releasing $200K in home equity will impact my pension?’
There are clever solutions that could allow this reader to downsize AND keep as much of her pension as possible.
PROPERTY EXPERT
Rachel Lane
Financial planning
‘How much Rent Assistance can I get with a pension and nearly $600K in assets?’
‘How much Rent Assistance can I get with a pension and nearly $600K in assets?’
Bad news for self-funded retirees, as the rules around Rent Assistance are only applicable to those in receipt of a pension or government allowance.
PROPERTY EXPERT
Rachel Lane
Our Money Experts
Experts
Australia’s demographic problem: Why the retirement income review won’t fix it
by
Noel Whittaker
Estate planning
How to spot when elderly loved ones are being manipulated for financial gain
by
Leigh Adams
Aged care
5 key considerations when researching residential aged care in 2021
by
Rodney Horin
Investment
‘Investors are betting Aussie rates will sink further in 2021. I agree with them’
by
Noel Whittaker
Investment
Want to use an SMSF to invest in property? 6 top tips for getting it right
by
Dominique Grubisa
