impact-wealth

Spring 2026 Edition

Thu, 24 Sep 2026 01:54:44 GMT

Connect Newsletter

If it looks convincing, take a moment to check

AI makes scams look professional. Investment scams cost Australians $837.7 million in 2025.
Before acting, check the person is licensed, verify the offer independently, and treat any promise of "risk-free" returns as a warning sign.

The importance of choosing a beneficiary

Without a valid nomination, your super trustee decides who gets your death benefit.
Keep a current Will and review your nominations after major life changes.

Why investors may need to look beyond the index for opportunities

The ASX is concentrated in expensive banks and miners, so index investors carry more housing-linked risk than they may realise.
A selective, active approach that favours strong balance sheets and offshore earnings may suit the next phase.

Your brain deserves a plan too

Mental fitness comes from small habits: learning, moving, routine, social connection and regular check-ins.
Build them gradually for clearer thinking and better resilience.

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How Much Super Do I Need to Retire in Australia?

Mon, 21 Sep 2026 23:29:59 GMT

Retirement is one of life's biggest milestones. Yet for many Australians, it's also one of the most uncertain.

The question we hear more than almost any other is "How much super do I need to retire?"

The honest answer is that there isn't one figure that suits everyone. Retirement is personal. It depends on the lifestyle you want to live, your health, whether you own your home, your spending habits, and how long your retirement may last.

What matters isn't just reaching retirement. It's having confidence that your money can support the lifestyle you've worked hard to build.

Why Superannuation Matters So Much

For most Australians, superannuation will be the largest source of retirement income outside the family home.

Over the course of your working life, compulsory employer contributions, voluntary contributions and investment returns work together to build your retirement savings. The challenge is understanding whether your current balance is enough and what steps you can take if it isn't.

Many people spend decades accumulating super but very little time planning how it will actually fund their retirement, this is why Retirement Planning is crucial.

A good retirement plan helps you understand:

When you may be able to retire
How much income your super can generate
Whether you're likely to outlive your savings
What government support may be available
How your super fits into your broader retirement goals

How Much Super Do You Need to Retire?

The amount of super you need depends largely on the lifestyle you want in retirement.

Some Australians want regular travel, hobbies, dining out and helping their children or grandchildren financially. Others are looking for a simpler retirement focused on financial security and peace of mind.

The more useful question is "How much income will I need in retirement?"

Once you know your desired income, you can work backwards to estimate the superannuation balance required to support it.

Your required retirement income can be influenced by factors such as:

Home ownership
Outstanding debts
Health and healthcare costs
Travel plans
Lifestyle expectations
Supporting family members
Aged care considerations

Because every retirement looks different, the right strategy should be tailored to your personal circumstances rather than relying on generic benchmarks.

Common Retirement Planning Mistakes

Waiting Too Long to Start

Many Australians don't seriously think about retirement planning until they're within a few years of stopping work. The reality is that even small actions taken in your 40s and 50s can have a significant impact on your retirement outcome. Additional contributions, investment adjustments and tax-effective strategies often require time to deliver meaningful results.

Assuming Super Will Take Care of Itself

Superannuation is designed to grow over time, but it isn't a set-and-forget strategy. Your investment options, contribution levels and retirement income strategy all play a role in the outcome you achieve. Regular reviews can help ensure your super remains aligned with your retirement goals.

Ignoring Government Benefits

Many Australians are surprised to learn that they may qualify for some level of Age Pension support even with substantial assets. Understanding Centrelink rules, income tests and asset tests can make a significant difference to retirement outcomes. A well-structured retirement strategy considers both personal wealth and available government entitlements.

The answer? Retirement Is More Than a Number

Many people become fixated on achieving a particular super balance. While the numbers matter, retirement is ultimately about what those numbers make possible. At Impact Wealth, we say Retirement is personal to you, therefore there is no magic number.

For most people, it's about having the confidence to spend time with family. Taking the holiday you've always talked about. Helping the grandchildren. Saying yes to opportunities without worrying whether your money will last.

Good retirement planning isn't about chasing the highest balance possible. It's about creating a future where you feel informed, secure and in control.

Start Planning for the Retirement You Deserve

If you're wondering how much super you need to retire, you're already asking the right question. The next step is understanding how your current position aligns with your retirement goals and whether there are opportunities to strengthen your strategy.

Retirement isn't simply a date on the calendar. It's the beginning of a new chapter.

With the right retirement financial advice, superannuation strategy and planning in place, you can approach that chapter with greater confidence and peace of mind.

Need help with your retirement planning? Simply get in touch with one of our friendly team.

Impact Wealth. With you all the way.

Winter 2026 Edition

Wed, 22 Jul 2026 23:37:28 GMT

Connect Newsletter

Certain uncertainty – An evolving tax landscape

From 1 July 2027, the 50% CGT discount is set to be replaced with an indexation approach and a minimum 30% tax on net gains — even pre-1985 assets get caught for the first time.
Proposed minimum 30% tax on trust distributions could reshape how families and business owners use discretionary trusts.

Why diversification matters more in a concentrated market

Just seven tech stocks now make up more than a third of the S&P 500 — so "broad" index funds may be far less diversified than they look.
True diversification isn't owning more investments; it's owning ones that behave differently when conditions shift, as 2022 showed when shares and bonds fell together.

Want a flourishing retirement? Plant seeds of financial security

Retirees who choose when and how they retire report greater wellbeing than those forced into it — purpose matters as much as money.
Nearly half of retirees want a guaranteed lifetime income, yet fewer than one in ten actually have one.

Life insurance at tax time

Some premiums are deductible and some aren't — and where the policy is held (inside or outside super) changes both the deduction and the tax on any payout.
Life, TPD and Trauma payouts are generally tax-free outside super, while Income Protection payouts are usually taxable.

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Autumn 2026 Edition

Wed, 29 Apr 2026 05:10:06 GMT

Connect Newsletter

In this issue:

Understanding volatility: Your emotions matter!
Protecting your future: how life insurance pricing works
Retiring in 2026? Four smart moves to protect your lifestyle
How to protect your accounts

Understanding volatility: Your emotions matter!

Investors are driven by emotion, not just logic
Eight cognitive biases to watch for

Protecting your future: how life insurance pricing works

Premiums are based on your personal risk profile
Insurers reprice across the board when claims volumes rise

Retiring in 2026? Four smart moves to protect your lifestyle

Plan your spending
Claim your entitlements
Manage longevity risk
Spend with confidence

How to protect your accounts

Ways to improve the security on your accounts online.

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Summer 2026 Edition

Fri, 23 Jan 2026 00:00:30 GMT

Connect Newsletter

In this issue:

Cruising into retirement with confidence
Five ways that could make your life insurance more affordable
Understanding volatility; What causes volatility?
Mental Bandwidth matters

Cruising into Retirement with Confidence

Many Australian retirees are hesitant in spending the nest egg they have worked so hard for throughout their working lives.
No one can foresee the future so staying flexible is important with your spending habits.
The industry is responding with the federal government requiring super funds to offer different strategies and products under the Retirement Income Covenants.

Five Ways that could make your life insurance more affordable

Read ways you can manage the impacts of insurance premiums and ensuring they remain in line with your needs.

Understanding Volatility

Volatility is a part of life and a big part of investing. Read what some of the common causes of this can be and how to manage your reaction.

Mental Bandwidth Matters

Each person makes hundreds of decisions a day. Giving yourself the capacity and strategies to make these decisions over a lifetime is important for your mental health.

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