In this Q&A Glen James and financial adviser Nathan Fradley chat about:

👉 catch up concessional contributions: how they work and the $500k super threshold

👉🏼 can you withdraw from super to get under $500k and put it back in?

👉🏽 term deposits inside super: are they safe?

👉🏾 does the government's $250k bank guarantee apply inside super?

👉🏿 how much to keep in super? $1M in super + $500k in shares at age 55

👉🏻 reportable super contributions and the Centrelink income test

👉🏽 how the ATI (adjusted taxable income) add-back impacts eligibility for Centrelink benefits

👉 is it a red flag if an investment fund is closed to new investors?

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.

Hosted on Acast. See acast.com/privacy for more information.

Thanks for listening to our 2026 Federal Budget show! You can watch it on Youtube here: https://www.youtube.com/@RetireRightAus. All filmed on Wednesday 13 May 2026

2.38 - Jim Chalmers - Treasurer

13.40 - Glen James and Vince Scully budget breakdown

47.23 - Allegra Spender (Ind.)

53.25 - Larissa Waters (Australian Greens Leader)

1 hr 4mins - Jane Hume (Deputy Leader of the Opposition (Lib.))

1hr 12 mins - Phil Coorey (Australian Financial Review)

1hr 24 mins - Patricia Karvelas (ABC Afternoon Briefing & Party Room / Politics Now podcasts)

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.

Hosted on Acast. See acast.com/privacy for more information.

The latest ASFA figures say a couple needs $730k in super to retire comfortably at 67, but what do those numbers actually include, and are they right for your situation? In this episode Glen and financial adviser Nathan Fradley unpack the data, challenge the assumptions and walk through Nathan's updated heat map showing how your super balance and age pension interact to produce income in retirement. They touch on:

👉🏻 Nathan's retirement model and what that means for how much you need to save

👉🏼 ASFA's comfortable vs modest retirement standards

👉 why the numbers don't stack up for a lot of renters

👉🏽 what does “comfortable” and “modest” actually include?

👉🏿 what assumptions is the modelling based on?

👉🏼 how much super do you need? ASFA's numbers vs Nathan's modelling

👉🏻 Nathan's updated heat map: super, pension & income sweet spots

👉 Glen’s closing thoughts

Subscribe to Retire Right on Youtube: https://www.youtube.com/@RetireRightAus

If you’d like to chat with someone about your personal situation, reach out to our team so we can connect you with a professional: https://www.retireright.com.au/get-help

Sign up to the Retire Right newsletter here: https://email.retireright.com.au/

🏡 Join the Retire Right facebook group: https://www.facebook.com/groups/retireright

This content is for education and entertainment purposes only and is intended for Australian residents. It is not a substitute for professional financial, tax or legal advice. Any advice provided is general financial advice only, which does not take into account your objectives, financial situation or needs.You should consider whether the advice is appropriate for your circumstances before acting on it. If you choose to buy a financial product, read the relevant product disclosure statement (PDS) and target market determination (TMD), and seek personal advice from a licensed adviser. We may discuss products, services or listener questions within our content for illustration and entertainment purposes. It is impossible to provide personal advice in this format, as we don’t know your individual financial situation. We may also change the names of questioners for privacy. While we do our best to provide accurate information, we accept no responsibility for any inaccuracies. Guest opinions are theirs and their respective licence holders. SYMO Interactive Pty Ltd and Glen James are authorised representatives of MoneySherpa Pty Ltd, which holds Australian Financial Services Licence 451289. Please read our Financial Services Guide at moneypodcast.com.au.

Hosted on Acast. See acast.com/privacy for more information.