Plain-English library

Guides on superannuation, retirement income and the questions worth asking

Every guide is written for Australians 50+ in plain English. General information only — never personal financial advice.

Older Australian man reviewing his superannuation statement at home

Making Your Superannuation Work Harder in Retirement: What Australians Over 50 Should Know

A plain-English guide for Australians 50+ on how super keeps working through retirement, the choices available, and what to ask an adviser.

Last updated 26 May 2026

Retired Australian woman checking her pension income on a laptop at home

Account-Based Pensions Explained: A Plain-English Guide for Australians

How account-based pensions work in Australia, minimum drawdown rules, fees, investment risk and Age Pension interaction — written for Australians 50+.

Last updated 26 May 2026

Older Australian couple walking along a coastal path

Retirement Income Options in Australia: Understanding the Choices

A clear overview of the main retirement income options Australians can combine — account-based pensions, annuities, the Age Pension, and savings outside super.

Last updated 18 April 2026

Handwritten checklist of questions on a notepad beside a coffee cup

Questions to Ask Before You Invest Your Retirement Savings

A practical checklist of questions Australians 50+ can take to any conversation about retirement investments — jargon-free and education-focused.

Last updated 12 May 2026

Older Australian couple reviewing paperwork together at home

Common Retirement Investing Pitfalls (and How to Think About Avoiding Them)

Common patterns Australians approaching retirement run into, and practical ways to think about avoiding them. Education only, not personal advice.

Last updated 22 March 2026

Retired Australian couple outdoors on a coastal walk

The Age Pension and Your Investments: How They Interact in Australia

A plain-English overview of how the Age Pension income and assets tests interact with super, savings and investments for Australians 50+.

Last updated 5 May 2026

Older Australian reviewing tax paperwork at a home desk

Tax in Retirement: How Super and Pensions Are Generally Treated in Australia

A plain-English overview of how superannuation, pension payments and investments outside super are generally taxed in retirement.

Last updated 30 April 2026

Older couple discussing their options with a professional

Transition to Retirement: A Plain-English Guide

How transition-to-retirement income streams work in Australia, who they suit, and the trade-offs to understand before starting one.

Last updated 14 April 2026

Older Australian couple discussing paperwork in their kitchen

Downsizer Contributions Explained: Selling the Family Home and Super

What downsizer contributions are, who is eligible, and the Age Pension and tax consequences Australians 50+ should understand before selling.

Last updated 8 March 2026

Older Australian couple meeting a financial professional in an office

How to Choose a Licensed Financial Adviser in Australia

How to check licensing, understand fees, and prepare for a first meeting with a financial adviser in Australia — written for Australians 50+.

Last updated 2 June 2026

Important — please read

The information provided on this website is general information only. It does not take into account your personal objectives, financial situation or needs. Before acting on any information, you should consider its appropriateness having regard to your own circumstances and obtain advice from a qualified, licensed financial adviser.

All investments carry risk, including the possible loss of some or all of the capital invested. Past performance is not a reliable indicator of future performance. No outcome, return, income or capital guarantee is made or implied.

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