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In recent years, income options outside of the age pension or your superannuation have become increasingly popular – and easier to understand.

We’re retired, how can we get additional income outside our super?

In recent years, income options outside the age pension or your superannuation have become increasingly popular – and easier to understand.

  • Noel Whittaker

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Transferring between one super fund to the other should have minimal impact on your balance and returns.

I want to switch super funds. Should I wait for markets to recover?

It can feel dangerous messing with your super while markets are volatile, but it’s unlikely to have a major impact on your returns.

  • Paul Benson
You can crack into your super for healthcare reasons, but only under a very strict set of rules.

Can I access my super to pay for dental work?

You can crack into your super for healthcare reasons, including dental work, but only under a very strict set of rules.

  • Noel Whittaker
There’s nothing wrong with being conservative with your super, but depending on your age, you could be missing out on some big returns.

What’s wrong with leaving my super in the default option?

There’s nothing wrong with being conservative with your super, but depending on your age, you could be missing out on some big returns.

  • Paul Benson
Though they don’t produce an income, your gold assets could still be weighing down your pension.

How will my silver and gold bullion affect my age pension?

Though they don’t produce an income, your gold and silver assets could still be weighing down your pension.

  • Noel Whittaker
Starting to tap into your super during heavy market fluctuations can feel like a bad move.

Should I start drawing on my super if the markets are down?

Starting to tap into your super during heavy market fluctuations can feel like a bad move, but it can actually benefit you.

  • Paul Benson
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Once you stop working, you can crack into your super.

Once I start getting my super, can I never work again?

Cracking into your super has a few conditions, one of which is that you’re no longer working.

  • Noel Whittaker
Calculating what will leave you better off out of a mortgage vs paying rent isn’t as easy as it may first seem.

Should I buy a house before I retire, or keep renting?

Calculating what will leave you better off between a mortgage and paying rent isn’t as easy as it may first seem.

  • Paul Benson
No matter how flush you are, or how reliable your repayments, once you hit a certain age it can be tough to get a credit card.

I have $1.6m in super but can’t get a credit card. Am I too old?

No matter how flush you are, or how reliable your repayments, once you hit a certain age it can be tough to get a credit card.

  • Nicole Pedersen-McKinnon
Questions on gifting are becoming increasingly common, however the rules are actually quite straightforward.

How do we gift money to our grandson without hurting our pension?

Questions on gifting are becoming increasingly common, however, the rules are actually quite straightforward.

  • Noel Whittaker

Original URL: https://www.smh.com.au/topic/ask-an-expert-1qi