Pension & Withdrawal Strategies

A fact often overlooked by many individuals is that your retirement is not the finish line.

Rarely, if ever, will you simply retire and take all of your super and run!

No, the reality is that your superannuation savings will be used to fund your lifestyle over many years to come. And therefore you want to ensure that –

Your withdrawal strategy provides you with maximum tax effectiveness,
While putting minimal strain on your fund’s investments,
While providing you with the flexibility your lifestyle requires.

Superannuation withdrawal strategies, including the use of the various pension types, has always been a specialist area, but the recent changes introduced by the Federal Government, including in particular the new $1.6m Pension Balance Cap and the changes to Transition to Retirement Pensions, mean you must be ever more vigilant.

Make sure you get the most from your hard earned retirement savings, and ensure they aren’t eaten away unnecessarily by taxes nor reduced investment earnings.

More about Self-Managed Super

CapitalQ helped me get off the 9 to 5 treadmill and effectively retire from real work in my late twenties.

I am a property person through and through. I believe there is no better way to build genuine wealth than via property. I have undertaken residential property investing and residential property developments (large and small) and as a result effectively retired from real work in my late 20s. Throughout that time Duncan and the Team at CapitalQ have been my partners (both as advisers and at times literally by taking interests in my projects). I would recommend to anyone thinking about venturing into property investing to ensure CapitalQ are part of the process and watching your back. You need sound personal budgeting, investment analysis, project costing, appropriate structuring, short term and long-term tax planning and ongoing tax advice (and not just covering Income Tax but also GST, Land Tax, Stamp Duty, the list goes on). CapitalQ know all aspects of the property game, and have the hands-on experience as well. Many think property investing is easy, but I can assure you, without the right partner providing the right advice, you will come undone.

Pension & Withdrawal Strategies

More about Self-Managed Super

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CapitalQ helped me get off the 9 to 5 treadmill and effectively retire from real work in my late twenties.