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Funding Your Retirement: A Survival Guide


Are you worried about how you?re going to fund your retirement? Will you be able to afford the lifestyle you deserve? Many Australians are nearing or in retirement and many are not financially prepared. Funding Your Retirement: A Survival Guide will help you secure your financial future so you can enjoy the retirement you?ve dreamed of.

This comprehensive guide is packed with strategies, from salary sacrificing and making superannuation contributions to consolidating debt and building a balanced investment portfolio. Topics covered include:

? planning your retirement
? understanding retirement and taxation rules
? managing your superannuation
? determining if a self managed superannuation fund is right for you
? implementing wealth-creation strategies
? ensuring your funds last as long as they need to.

Max Newnham has worked as a chartered accountant for more than 30 years and is a partner is the public accounting practice TaxBiz Australia. For almost 20 years Max has written about small business, tax and finance for The Age>/i> and The Sydney Morning Herald. Max has more than 25 years? SMSF experience and is a member of the SMSF Professionals? Association of Australia.

About the author v

Acknowledgements vii

Introduction ix

1 The history of funding your retirement 1

2 How to plan for your retirement 13

3 The retirement rules 31

4 Income tax and your retirement 59

5 The different investment vehicles 97

6 Strategies for funding your retirement 115

7 Managing risk 153

8 Understanding investments 175

9 The facts and myths about property investment 209

10 Getting the right advice 227

11 Questions and answers 233

Appendix: reference tables and lists 265

Glossary 277

Index 291