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Your Money

How to maximise SAPTO, manage superannuation, and understand centrelink requirements in retirement
Nick Bruining avatarNick Bruining
Money Questions
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Source: Getty images
Retirement Income

Thinking of delaying retirement because of the market? Here’s why you might not need to

Thinking of delaying retirement because of the market? Here’s why you might not need to

There’s no question that this week’s share market roller-coaster ride will have those nearing retirement, wringing their hands in anguish.
“When every dollar counts, public holiday surcharges can make social outings less accessible for older Australians." Source: Getty Images.
Everyday money

Public holiday surcharges: A growing burden for older Australians

Public holiday surcharges: A growing burden for older Australians

While many Australians look forward to public holidays such as Good Friday, Easter Sunday, and Anzac Day, for older Australians, these days can come with an unwelcome price tag — quite literally.
With markets in turmoil, should you be concerned about your superannuation? Source: Getty
Superannuation

Don’t panic: Aussie superannuation funds urge calm as markets tumble over Trump’s tariffs

Don’t panic: Aussie superannuation funds urge calm as markets tumble over Trump’s tariffs

As markets react to Trump’s tariffs, superannuation funds urge Australians to stay steady—here’s why long-term thinking is the key to navigating the downturn.
Source: Rido (Canva Teams)
Superannuation

How to maximise your tax-free income with the latest budget changes

How to maximise your tax-free income with the latest budget changes

While last week’s federal budget contained few surprises, the unexpected tax cuts are likely to have a significant impact on Starts at 60 readers and those making heavy use of superannuation in the lead-up to retirement.
Source: karelnoppe from Getty Images (Canva Teams)
Tips

Easy ways to save money on beauty treatments

Easy ways to save money on beauty treatments

Looking good doesn't have to break the bank! Here are some simple ways to make big savings on beauty treatments.
“When every dollar counts, public holiday surcharges can make social outings less accessible for older Australians." Source: Getty Images.
Age Pension

Age pension increase slammed as inadequate for struggling pensioners

Age pension increase slammed as inadequate for struggling pensioners

Millions of older Australians receiving the age pension will see their payments increase this month. However, advocates are arguing the increase isn't enough for those already struggling to make ends meet.
Source: RgStudio from Getty Images Signature (Canva Teams)
Age Pension

Age pension boost: More Australians to qualify for payments from 20th March 2025

Age pension boost: More Australians to qualify for payments from 20th March 2025

Australia’s slowing increase in the cost of living has flowed through to a modest increase in Centrelink benefits to apply from March 20. The increase will also see thousands of wealthy Starts at 60 readers, qualify for a part-pension for the first time.
Source: Getty Images.
Retirement Income

All aboard: Time to take that worry free trip of a lifetime

All aboard: Time to take that worry free trip of a lifetime

For many retirees, the dream of traveling the world feels out of reach due to the fear of depleting savings. But by thinking strategically and investing wisely, you can enjoy your golden years exploring the places you've always dreamed of, without the worry of running out of money.
As costs continue to rise, here’s what you’ll need to fund a comfortable retirement. Source: Getty Images.
Retirement Income

How much a comfortable retirement will now cost Aussie retirees

How much a comfortable retirement will now cost Aussie retirees

While a recent reduction in electricity prices has provided some financial relief for retirees during the ongoing cost of living crisis, the cost of funding a comfortable retirement has seen a slight increase over the last year.
Worried about retirement? Learn why so many women feel unprepared – and how to boost your super to feel confident for the future. Source: Dan Peled/ AAP PHOTOS.
Superannuation

Why so many Australian women feel unprepared for retirement and what you can do about it

Why so many Australian women feel unprepared for retirement and what you can do about it

A recent survey by Colonial First State (CFS) Superannuation highlights a troubling trend: many women in Australia feel uncertain about their retirement readiness.
Source: Getty Images.
Everyday money

Boost your money skills with these 7 tips

Boost your money skills with these 7 tips

Lack of financial literacy can lead to costly mistakes, but don’t worry—you're not alone. Here are 7 essential tips to improve your money skills and avoid unnecessary expenses.

End of life planning

The complete state-by-state guide to probate: Who needs it and when

If you’re the executor of a loved one’s estate, your role will almost certainly involve distributing assets, as well as possibly paying debts or overseeing the sale of property or other belongings. But there are a number of steps required by law before you start dealing with the deceased’s finances.

Read more

Expert contributors

Money ExpertNoel WhittakerThe Financial Wizard of Oz
Money ExpertJim KilkennyThe Financial Services and Investment Veteran
Money ExpertNick BruiningThe Retirement Income Expert
Money ExpertBrian HerdThe Elder Law Legal Eagle
PROPERTY EXPERTRachel LaneThe Retirement Living and Aged Care Guru
Money ExpertTom EllisonThe Naked Investor

Your Money's Sections

Our money section is broken into four core pillars. Each is packed with expert insights, real life questions and helpful information.

Everyday Money

Everyday Money

Accounts, bills, budgets, cash, credit, consumer protections, products, payment platforms, rates and more; over-60s want to get the best out of their most frequent financial transactions because they know if they look after the pennies, the pounds look after themselves.

Retirement Income

Retirement Income

When you’ve worked for 40 years or more, knowing you can finally kick back without financial worries really matters. That’s why the pillars of Australia’s retirement income system are top topics; super, the Age Pension, mainstream investments, personal savings and property are all in focus here.

Planning for Later Life

Planning for Later Life

All of this looking after the pennies and maintaining a secure but not indulgent retirement income means wealth to pass on. There’s no taboo on talking about death; we regularly discuss the nitty gritty on who, what, when and how when it comes to estate and end-of-life planning. 

The Big Questions

The Big Questions

Starts at 60 Community members submit their questions to us for response by our financial experts.  Helpful insights from real life situations. 

The latest from our partners

‘I worked too hard all my life to keep saying no to good things in retirement’
Financial Planning

‘I worked too hard all my life to keep saying no to good things in retirement’

Vivienne spent more than a year researching options to boost her retirement income - you might be surprised at what she chose.
Written byHousehold Capital
How an Australian mortgage trust could help meet your retirement income needs
Retirement Income

How an Australian mortgage trust could help meet your retirement income needs

Access competitive returns on an investment that’s carefully risk-managed by a trusted Australian fund manager.
Written byTrilogy Funds
DIY investment or super: What to consider when choosing the option for you
Investment

DIY investment or super: What to consider when choosing the option for you

Just as most people on Grand Designs end up learning, DIY is never as easy or cheap as it looks.
Written byChristine Seib

From the experts

Understanding how people aged 67 to 75 can top up their self-managed super funds
Nick Bruining avatarNick Bruining
Money Questions
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“Can I gift a home to my kids and would it affect them in any financial way?”
Money Questions

“Can I gift a home to my kids and would it affect them in any financial way?”

“Can I gift a home to my kids and would it affect them in any financial way?”

Independent finance expert, Nick Bruining, answers this Q&A and shares what other implications you need to consider before gifting a home to your children.
Independent money expert, Nick Bruining, provides a real life example of how Centrelink assessable income is NOT the same as Tax Office assessable income. Image source: Getty
Age Pension

Understanding how Centrelink assesses income for the income test

Understanding how Centrelink assesses income for the income test

It's important to understand that Centrelink assessable income is not the same as Tax Office assessable income or actual cash received.
A difference of 1 per cent in fees could make a difference of 20 per cent in your final retirement payout. Image source: Getty
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."
Do you have a question for our money expert?
Investment

Help! Why has my managed fund distributions resulted in a tax liability and what can I do about it?

Help! Why has my managed fund distributions resulted in a tax liability and what can I do about it?

Money expert Nick Bruining explains why the distributions from a managed fund could result in a tax liability.
Source: Getty
Experts

10 smart estate planning strategies to help protect blended families

10 smart estate planning strategies to help protect blended families

With blended families becoming more common, it's important to consider estate planning strategies to ensure assets are passed on fairly to all beneficiaries
Source: Getty
Experts

How to financially separate from your spouse

How to financially separate from your spouse

These are the key things you need to know when you're splitting your finances and assets during your divorce.
Downsizing is never easy, but Noel Whittaker breaks it down. Source: Getty
Age Pension

Downsizer contributions: Everything you need to know

Downsizer contributions: Everything you need to know

Equip yourself with everything you need to know about making downsizer contributions into your superannuation to build up your retirement savings.
When if the last time you assessed your superannuation account's performance? Source: Getty
News

Self Managed Super Funds: Everything you need to know

Self Managed Super Funds: Everything you need to know

When if the last time you assessed your superannuation account's performance?
It’s important you correct the values of your assets such as, bank accounts, investments, cars, and home contents regularly. The majority of your assets depreciate over time, providing an opportunity to increase your pension. Source: Getty Images
Age Pension

Maximise your Age Pension: Top tricks to get you more and the traps you should avoid

Maximise your Age Pension: Top tricks to get you more and the traps you should avoid

Pensioners owe it to themselves to make sure they’re getting their full entitlement. Here’s how to do it.
Buying a brand new car might not be all that it's cracked up to be. Source: Getty
Experts

Cars can kill you financially

Cars can kill you financially

Financial expert, Tom Ellison, shares his secrets on what makes buying a brand new car such a bad idea during retirement.
78% of over-60s surveyed said they had helped their kids get on the property ladder
Experts

The bank of mum and dad for property: how to protect yourself when lending money to your kids

The bank of mum and dad for property: how to protect yourself when lending money to your kids

As the property market continues to boom and prices skyrocket, it is even more likely than ever you’ll get a call from your adult children asking for some financial help to buy a home.
KAMPALA, CENTRAL REGION, UGANDA - SEPTEMBRE 24: Avocados cardboard box ready for shipment on Septembre 24, 2018 in Kampala, Central Region, Uganda. (Photo by Camille Delbos/Art In All of Us/Corbis via Getty Images)
News

Avo’ go at the price of these avocados

Avo’ go at the price of these avocados

If you’ve been into a supermarket recently, you’ve likely seen huddles of shoppers in the fruit and vegetable section, pushing...
Many Australians are unsure of what to do, in the case of a dementia diagnosis. Source: Getty
Health

What happens if I lose capacity due to dementia?

What happens if I lose capacity due to dementia?

There are nearly half a million Australians living with dementia today, with that number potentially doubling across the next 25 years. Do you know what steps need to be taken, if diagnosed with dementia?
The treasurer unveiled the budget on Tuesday night. Source: Getty
Experts

Over-60s and the budget: The pros and the potential pitfalls to avoid

Over-60s and the budget: The pros and the potential pitfalls to avoid

Find out what the Budget 2021-22 really has to offer older Australians – and where there’s a sting in the tail.

Watch Starts at 60 Masterclasses

Starts at 60 Members are invited to attend our retirement masterclasses. These are some of the money masterclasses we've held in the past 12 months.

Watch Now: Managing your Money in Uncertain Times
Starts At 60 Masterclass

Watch Now: Managing your Money in Uncertain Times

Watch our online panel event on how you can manage your money in the uncertain times.   It covers 1. Ensuring access to your bank accounts 2. Staying calm about super 3. Updating end-of-life planning 4. Key themes emerging from the economy.

Watch Now: All your digital banking questions answered
Starts At 60 Masterclass

Watch Now: All your digital banking questions answered

Learn about the tech keeping your money safe online, how you can easily keep yourself safe from scammers and the many things you can do with digital banking – without needing to leave your home!

Downsize or don't: Retirement income post-Covid 19
Starts At 60 Masterclass

Downsize or don't: Retirement income post-Covid 19

If you’re worried about whether your retirement income will last the distance or whether to downsize now our later, our online masterclass with financial guru Noel Whittaker, downsizing expert Rachel Lane and economics commentator Adam Creighton has the answers.

Watch: Your Money

Here's a selection of videos to help you navigate your money issues as you are nearing, and in retirement.

Watch: Creating a budget for your retirement
Everyday Money

Watch: Creating a budget for your retirement

How you can help your kids while in retirement
Everyday Money

How you can help your kids while in retirement

What do I do with my money when I retire?
Retirement Income

What do I do with my money when I retire?

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