| Hi Aris,
Welcome to this week's edition of Smart Investing.
At some point in time, most Australians will switch some or all of their superannuation into an account-based pension product. Vanguard's Senior Personal Finance Writer Tony Kaye explains when and how this can be done, the tax considerations, and the mandated minimum pension withdrawal amounts by age.
Next, we point out a superannuation free kick that's there for the taking, depending on your personal circumstances. It's all about using up unused concessional contributions from previous financial years, and one of them is about to expire. It's a case of use it before 30 June, if you can, or lose it.
Lastly, Vanguard's How Australia Retires research in 2023 found that 2 in 5 working-age Australians expected to take an extended career break at some point. In doing so, most will be losing out on super contributions. We outline six ways to lessen the financial impact.
| |
| How to shift into pension mode When and how you can access your super to start an account-based pension. Read article | |
|
|
|
| Clock is ticking on a super free kick With ample time left before 30 June, now could be a good time to catch up on super. Read article | |
|
|
|
| Planning financially for a career break A pause in super contributions can have long-lasting effects. Here's how to plan ahead. Read article | |
|
|
|
| How home country bias affected Australian investors in 2023 Staying at home last year may have proved costly based on global returns. Read article | |
|
|
|
| A jackpot year for exchange traded funds Australian investors went on an ETFs splurge in 2023, underscoring the growing popularity of exchange traded products. Read article | |
|
|
|
| Unsubscribe. When you unsubscribe via the link, you will be unsubscribing to all Vanguard Australia marketing emails. | |
| Vanguard and its employees wish to acknowledge the Traditional Custodians of Country throughout Australia where we operate our business. We recognise their connection to the land, water and culture and wish to pay our respects to their Elders past, present and emerging.
Vanguard Investments Australia Ltd (ABN 72 072 881 086 / AFS Licence 227263) (VIA) is the product issuer and operator of Vanguard Personal Investor. Vanguard Super Pty Ltd (ABN 73 643 614 386 / AFS Licence 526270) (the Trustee) is the trustee and product issuer of Vanguard Super (ABN 27 923 449 966). The Trustee has contracted with VIA to provide some services for Vanguard Super. Any general advice is provided by VIA. The Trustee and VIA are both wholly owned subsidiaries of The Vanguard Group, Inc (collectively, "Vanguard").
We have not taken yours or your clients‘ circumstances into account when preparing this email so it may not be applicable to the particular situation you are considering. You should consider yours and your clients‘ circumstances, and our Product Disclosure Statement (PDS) before making any investment decision or recommendation. Distributors of our products must consider our Target Market Determinations ("TMDs") which describe the investors for whom the product would likely be appropriate and consistent with their objectives, financial situation and needs. You can access our PDSs and TMDs at www.vanguard.com.au or by calling 1300 655 101. Past performance is not an indication of future performance. Our electronic publications are prepared in good faith and we accept no liability for any errors or omissions. Not all articles are prepared by Vanguard so they may not represent our views and opinions. Vanguard Investments Australia Limited is in no way responsible for the content or loss resulting from use of any website owned by a third party that may be linked to this email via a hyperlink.
© 2023 Vanguard Investments Australia Ltd. All rights reserved.
Use of cookies
If you click through to the vanguard.com.au website from this email, a cookie may be placed on your computer to enable Vanguard or our third party service providers to collect information about your use of the vanguard.com.au website to support website performance, enhance site navigation, improve our web design and functionality and tailor our communications to you regarding our products and services. The information collected by Vanguard or our service providers does not include personal information that could be used to identify you such as your name, address, telephone number, email address, or account information. Unless you have adjusted your browser settings so that it will refuse cookies, our system may set cookies when you visit the site. You may choose to remove or disable cookies via your browser. Google Analytics uses data when you access the Vanguard website. For more information, see "HOW GOOGLE USES INFORMATION FROM SITES OR APPS THAT USE OUR SERVICES," located at https://policies.google.com/technologies/partner-sites. You can opt out of being tracked by Google Analytics at the following location: https://tools.google.com/dlpage/gaoptout .
To learn more about how Vanguard uses cookies, please visit the Vanguard Cookie Policy.
By using our website, you consent to the use of cookies as described above.
Terms and conditions of use | Disclaimers| Privacy policy| Cookie policy | |
| |
