Wealthlab Blog
Expert insights, practical strategies, and market updates to help you make informed financial decisions for your future.
A retirement planner in Australia does what no calculator can. Calculators give you a projection based on standard assumptions. A retirement planner builds a strategy around your actual life, your super, your Age Pension entitlement, and the decisions you haven’t thought to question yet. We break down what they cover, what it costs, and how to find the right one if you’re over 50.
Most people approaching retirement share the same quiet worry: they don’t really know what their income will look like once the pay cheques stop.
The good news is it’s fixable. Your retirement income comes down to three things: what your super can realistically pay you, whether you qualify for any Age Pension support, and how long the money needs to last. We break down the current numbers, the key variables, and how to build a starting estimate you can actually work with.
Superannuation and the pension are not the same thing, but most Australians will use both in retirement. We explain the three types of “pension” in Australia, how the Age Pension means test works, and how to structure your super and pension income so you get the most out of both.
The best age to retire in Australia depends on your
The best super funds in Australia for 2026 tend to
Most Australians use one retirement calculator, get a number, and either panic or relax without understanding what it actually means. The problem is that different calculators give wildly different results for the same person. We compared the best retirement calculators in Australia for 2026 so you know which one to trust and when to use more than one.
When is the best time to retire? Learn how age, superannuation access, and lifestyle goals determine the right time to retire confidently in Australia.
What happens to my super when I die? Learn how super death benefits work, who can receive them, and how to make sure your super goes to the right people.
What should I do with my super once I retire? Learn how to manage your super after retirement from lump sums to income streams and plan for a comfortable future.
How much does the average retired person spend a month in Australia? Learn the 2025 ASFA data, monthly budgets for singles and couples, and smart ways to plan your retirement spending.
A “boring” super video just changed everything. In under two weeks: 53K views, 6.2K watch hours, and 1,100 new subscribers. Turns out Aussies love learning how to retire smarter. This month: gold’s record climb, the ASX’s quiet optimism, and what rising living costs mean for your super plan.
What retirement age in Australia means: Learn when you can access super (60), when the Age Pension starts (67), and how to plan for a comfortable retirement.
The best super funds in Australia for 2026 tend to
Most Australians use one retirement calculator, get a number, and either panic or relax without understanding what it actually means. The problem is that different calculators give wildly different results for the same person. We compared the best retirement calculators in Australia for 2026 so you know which one to trust and when to use more than one.
Australian household costs are rising faster than inflation, and retirees are being hit hardest. See the 2026 numbers on electricity, food, insurance and healthcare, and what rising costs mean for your super, Age Pension, and retirement plan.
Debt recycling is a strategy that converts non-deductible mortgage debt
What Are the Biggest Regrets in Retirement? Understand common retirement regrets around money, health, and lifestyle, and how to plan a better retirement in Australia.
How do I apply for the Age Pension in Australia? Learn who’s eligible, when to apply, what documents you need, and how to submit your claim through Centrelink.
As we wrap up 2024, we wanted to say a big thank you for being part of the Wealthlab journey this year. It’s been a huge year—one filled with challenges, lessons, and wins. And as we look toward 2025, we’re excited to continue helping you achieve your financial goals.
As the year winds down, I like to take a moment to pause, reflect, and plan ahead. Every December, I sit down with a simple booklet called the YearCompass, it’s designed to review the past year and set some goals for the next one.
A small caveat – I tend to do this just for the big items and small ad hoc ones do come up closer to xmas. The system struggles a bit if you are buying multiple items for one person, but you can just add a new line for them.
The ASX 200 has shown impressive resilience, up 10% year-to-date. The RBA has maintained the cash rate at 4.35% and S&P Global anticipates AU will follow the U.S. Federal Reserve’s lead in cutting interest rates. It seems we could be in for a gradual easing cycle, with potential rate cuts starting sometime in 2025.
Scotty Pape, has undergone a transformation that many of his long-time followers such as myself have noticed. Basically if its gotten to a point where my mum is commenting and SO I think it’s worth to highlight in this month’s newsletter.
ast week, we witnessed what’s being called the “largest IT outage in history” when CrowdStrike, a major cybersecurity provider, experienced a significant service disruption. This event affected millions of devices worldwide and caused widespread issues across various industries.
Our latest insights on Australian financial planning
This month’s newsletter is a trip down memory lane. We’ve dug out some old photos and reflecting on what we’ve picked up along the way.
Welcome to 2025! New year, same goal—helping you stay on top of your finances without all the noise. But aahh is it too late to
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6 quick questions about your retirement situation. Get an instant educational snapshot showing common strengths and gaps for Australians in a similar position.
