Superannuation

How the defined benefit income cap, the 10% tax offset and the transfer balance cap apply to defined benefit pensions after 60, with 2026-27 figures.

How Centrelink counts a defined benefit pension, a QSuper defined benefit lump sum and a Lifetime Pension under the Age Pension income and assets tests.

How the QSuper Defined Benefit account works: the multiple, final salary, the resignation discount before 55, TTR, and the decisions you cannot undo.

How the downsizer contribution lets you move home-sale proceeds into super, who may be eligible, and what to check before you sell.

What changes for your super when you turn 60, how access and tax can shift, and when it is worth getting advice before you act.

A practical checklist for the ten years before retirement, covering super, the Age Pension, insurance, debt, and estate decisions, in the order that matters.

Six super moves to check before 30 June, with the 2026-27 caps and the carry-forward amounts that expire on 30 June 2027.

How much super you need to retire comfortably in Australia, using the ASFA benchmarks, how the Age Pension fits in, and what to do if you are coming up short.