START HERE: Should Couples Stagger Retirement to Help Money Last Longer?

About this episode

Canna Campbell discusses whether couples should stagger retirement to enhance financial sustainability.

Is it better for couples to retire at the same time — or stagger retirement dates? In this Start Here episode, Canna answers a listener question from a couple aged 53 and 60 who are considering retiring together within the next five years… but are noticing many of their friends are staggering retirement due to cost-of-living pressures and inflation. Could staggering retirement actually be a smarter financial strategy? In this episode, we break down: What “staggered retirement” really means When you can access your super (age 60, 65 and 67 rules explained) What an account-based (allocated) pension is How pension phase creates 0% tax on super earnings Minimum drawdown rates in retirement How staggering retirement may improve tax efficiency How it can impact Age Pension eligibility and the asset test What “Centrelink sheltering” means for couples with an age gap Strategies such as catch-up concessional contributions Downsizer contributions explained Super splitting between spouses The importance of modelling income sustainability Emotional and lifestyle considerations of retiring at different times Staggering retirement isn’t about one…

People in this episode

Host: Canna Campbell

Topics covered

• retirement planning
• financial strategy
• tax efficiency
• superannuation
• couples finance
• age pension eligibility

Keywords

• staggered retirement
• superannuation
• tax efficiency
• Age Pension
• financial strategy
• cost-of-living
• inflation
• pension phase
• income sustainability

Mentioned in this episode

Organizations: Centrelink

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