Business Profile and Homepage: Superannuation & Retirement Planning

1Group Property Advisory: Superannuation & Retirement Planning Through Property Investment

When it comes to building wealth for retirement, Australians have long relied on superannuation as their primary vehicle. However, as an independent buyer's agent, 1Group Property Advisory works with healthcare professionals and other time-poor, high-income earners who increasingly recognize that strategic property investment can play a powerful complementary role in retirement planning. Our conflict-free advice helps clients integrate property investments into their broader retirement and superannuation strategies, creating diversified wealth-building pathways that deliver both capital growth and income streams well into retirement.

Understanding how property investment intersects with superannuation rules, tax considerations, and retirement income planning is essential for maximizing your financial security in later life. This comprehensive guide explores the relationship between superannuation, retirement planning, and property investment—backed by data and evidence to help you make informed decisions about your financial future.

Understanding superannuation basics

Superannuation is a long-term savings arrangement designed to help Australians accumulate wealth for retirement. It operates as a concessionally-taxed investment vehicle, with contributions and earnings generally taxed at lower rates than personal income tax.

How superannuation works

Your employer is required to contribute a percentage of your ordinary time earnings (currently 11% as of 2023, rising to 12% by 2025) into your nominated superannuation fund. These contributions, known as Superannuation Guarantee (SG) contributions, form the foundation of most Australians' retirement savings.

In addition to employer contributions, you can make:

Your superannuation savings are invested by your fund according to your chosen investment strategy, with options typically ranging from conservative cash and fixed-interest investments through to growth-oriented shares and property portfolios.

Preservation age and access

Superannuation is "preserved" until you reach your preservation age and meet a condition of release, such as retirement. Your preservation age depends on your date of birth, ranging from 55 to 60 years old for those born after 1 July 1960.

Once you reach preservation age and retire (or reach age 65 regardless of employment status), you can access your superannuation as:

Understanding these access rules matters when planning property investments alongside your superannuation strategy, as timing and liquidity considerations differ significantly between the two asset classes.

Superannuation vs property investment

While superannuation offers significant tax advantages and compulsory employer contributions, strategic property investment provides unique benefits that can complement your retirement planning strategy.

Advantages of superannuation

Tax concessions mean contributions are taxed at just 15% (compared to marginal tax rates up to 47%), and earnings within the fund are taxed at a maximum of 15% during accumulation phase, dropping to 0% in pension phase.

Employer contributions through the compulsory Superannuation Guarantee mean you receive regular contributions regardless of your active involvement.

Simplicity is another benefit. Once established, superannuation requires minimal ongoing management, with professional fund managers handling investment decisions.

Asset protection matters too. Superannuation assets generally enjoy protection from creditors in the event of bankruptcy.

Advantages of property investment

Control and flexibility mean you maintain direct control over property investment decisions, including purchase timing, property selection, renovation choices, and sale decisions. This matters particularly for healthcare professionals who understand the value of informed decision-making based on thorough due diligence.

Leverage opportunities exist because banks readily lend for property investment, allowing you to control assets worth several times your initial deposit—a level of leverage not typically available within superannuation. For high-income earners, this amplifies wealth-building potential significantly.

Earlier access to property investments outside superannuation can happen at any age, providing greater flexibility for pre-retirement financial needs or opportunities.

Tangible asset ownership provides a physical asset you can see, improve, and potentially use, offering psychological benefits many investors value.

Tax benefits through negative gearing, depreciation deductions, and the 50% capital gains tax discount (when held over 12 months) provide significant tax advantages, particularly for high-income earners like healthcare professionals.

Inflation hedge characteristics mean that, according to long-term market research, property values and rents typically rise with inflation, protecting your purchasing power over the long term.

1Group Property Advisory helps clients understand how these complementary strategies can work together, creating diversified retirement portfolios that use the strengths of both approaches while mitigating their respective limitations. Our data-driven research process ensures every property recommendation aligns with your property brief and long-term wealth objectives.

Using property within your SMSF

For investors seeking greater control over their superannuation investments, a Self-Managed Superannuation Fund (SMSF) can enable direct property ownership within the superannuation environment.

What is an SMSF?

An SMSF is a private superannuation fund that you manage yourself, giving you direct control over investment decisions. SMSFs can have up to six members, typically family members, with all members usually acting as trustees.

Buying property in your SMSF

SMSFs can purchase residential or commercial property, subject to strict rules:

The sole purpose test means the property must be acquired and maintained solely to provide retirement benefits to fund members. You cannot live in the property, holiday in it, or rent it to related parties (with limited exceptions for commercial property).

Borrowing restrictions apply if you're borrowing to purchase property (through a Limited Recourse Borrowing Arrangement or LRBA). The loan must be limited recourse, meaning the lender can only claim the property itself if the loan defaults, not other SMSF assets.

Contribution caps still apply. Money contributed to your SMSF to purchase property is subject to the same contribution caps as any other superannuation contribution.

Liquidity requirements mean your SMSF must maintain sufficient liquidity to meet ongoing expenses, pension payments, and regulatory obligations—a particular challenge when most assets are tied up in property.

Compliance obligations for SMSFs are significant, including annual audits, actuarial certificates, and detailed record-keeping.

Benefits of property in an SMSF

Tax efficiency means rental income is taxed at just 15% during accumulation phase, and capital gains are taxed at 10% if held over 12 months (or 0% in pension phase).

Control allows you to select the exact property, manage improvements, and control the timing of sales—appealing for healthcare professionals accustomed to making evidence-based decisions.

Estate planning through SMSFs can offer greater flexibility, particularly for blended families.

Risks and considerations

Concentration risk arises because property is illiquid and indivisible, meaning a single property can represent a dangerously high proportion of your total superannuation.

Costs for SMSF establishment and ongoing compliance (typically $2,000–$5,000+ annually) can erode returns, particularly for smaller balances. Our data-driven analysis helps determine whether these costs are justified in your circumstances.

Complexity in managing an SMSF requires significant time, knowledge, and attention to regulatory requirements—a particular consideration for time-poor healthcare professionals.

Personal liability as trustee means you're personally responsible for compliance failures, which can result in significant penalties.

1Group Property Advisory works with SMSF specialists and accountants to help clients determine whether SMSF property investment aligns with their circumstances, risk tolerance, and retirement objectives. Our conflict-free advice ensures recommendations serve your interests alone.

Property investment outside superannuation

For many investors, holding property investments in their personal name or through a trust structure outside superannuation offers greater flexibility and control.

Strategic advantages

Accessibility means you can access equity or sell the property at any time without waiting until preservation age, providing options for career changes, business opportunities, or lifestyle choices.

Unlimited leverage exists because lending limits for personal property investment are generally more generous than for SMSF borrowing. For high-income healthcare professionals, this creates significant wealth-building opportunities.

Family use potential means properties held personally can potentially be used by family members or converted to owner-occupied status if circumstances change.

Simplified compliance is another benefit. Personal property investment avoids the complex regulatory requirements and ongoing costs associated with SMSFs—freeing up valuable time for busy professionals.

Tax considerations

Negative gearing allows losses from negatively geared properties to offset other taxable income, reducing your overall tax liability—a benefit particularly valuable for high-income earners in the healthcare sector.

Depreciation on building and assets can create significant tax deductions, improving cash flow during the accumulation phase. Our due diligence process includes detailed depreciation analysis.

Capital gains tax applies differently. While the 50% CGT discount applies to both personal and SMSF investments held over 12 months, the tax rate differs (marginal rate minus 50% discount for personal holdings vs 10% flat rate for SMSF accumulation phase).

Land tax affects properties held personally once aggregate land values exceed the threshold, whereas SMSF properties may be assessed separately in some states.

Integration with superannuation

Rather than viewing property and superannuation as competing strategies, 1Group Property Advisory helps clients develop integrated approaches:

Our independent buyer's agent service ensures each property acquisition supports your broader retirement strategy through comprehensive market research and strategic analysis.

Retirement income strategies

Effective retirement planning extends beyond accumulation—how you structure income in retirement significantly impacts your lifestyle, longevity of capital, and tax position.

Account-based pensions

Once you retire and begin drawing on your superannuation, converting to an account-based pension offers significant advantages:

Tax-free earnings mean investment earnings within pension accounts are completely tax-free for members over 60.

Tax-free withdrawals apply to pension payments for members aged 60 and over.

Minimum drawdown requirements mean you must withdraw a minimum percentage each year (ranging from 4% at age 60–64 to 14% at age 95+), ensuring gradual capital depletion rather than indefinite accumulation.

Age Pension implications exist because account-based pensions are assessed under both the income and assets tests for Age Pension eligibility.

Rental income from investment properties

Property investments held outside superannuation continue generating rental income throughout retirement, providing:

Inflation-adjusted income because, according to market research, rents typically increase with inflation, maintaining purchasing power over decades of retirement.

Flexible drawdown means you control how much rental income to retain versus reinvest in property improvements or debt reduction, unlike superannuation minimums.

Capital access allows you to sell properties or access equity as needed for major expenses, healthcare costs, or lifestyle choices.

Estate planning flexibility exists because properties can be retained and passed to beneficiaries, potentially with greater flexibility than superannuation death benefits.

Tax considerations in retirement

Superannuation pension income is completely tax-free for those over 60, making it the most tax-effective income source.

Rental income is taxed at marginal rates, but potentially qualifies for the Seniors and Pensioners Tax Offset (SAPTO), which provides a tax-free threshold of up to $32,279 for singles and $28,974 per person for couples (2022–23 figures).

Capital gains still receive the 50% discount for properties held over 12 months, and your lower retirement income may place you in a lower marginal tax bracket, reducing CGT liability.

Age Pension income test assesses deemed income from financial assets (including account-based pensions), while rental income is directly counted. Understanding these interactions matters for optimizing Age Pension entitlements.

Sequencing strategies

The order in which you draw from different asset pools can significantly impact retirement outcomes. Our data-driven approach helps identify optimal sequencing:

Tax-effective sequencing might mean drawing first from taxable sources (rental income, personal savings) while deferring tax-free superannuation, or vice versa depending on Age Pension strategies.

Age Pension maximization could involve depleting assessable assets outside superannuation first to qualify for higher Age Pension entitlements later in retirement.

Longevity protection suggests preserving superannuation for later years when healthcare costs typically increase and property management becomes burdensome—a consideration particularly relevant for healthcare professionals who understand medical cost trajectories.

1Group Property Advisory collaborates with financial planners and accountants to help clients develop sequencing strategies that align with their specific retirement goals, tax position, and estate planning objectives. Our conflict-free advice ensures recommendations prioritize your long-term wealth objectives.

Age Pension and asset testing

The Age Pension provides a safety net for retirees, but eligibility depends on both income and assets tests, with property playing a significant role.

Assets test thresholds

The assets test assesses the value of your assets (excluding your primary residence) against thresholds that vary based on homeownership status and relationship status.

As of March 2023, full Age Pension is payable if your assessable assets are below:

The pension reduces by $3 per fortnight for every $1,000 of assets above these thresholds, cutting off entirely at:

How property affects eligibility

Principal residence is completely exempt from the assets test regardless of value, creating a powerful incentive for home ownership before retirement.

Investment properties are assessed at their market value, less any outstanding mortgage debt.

SMSF property is included in your superannuation balance for assets test purposes.

Rental income is counted directly in the income test, potentially reducing Age Pension entitlements even if you pass the assets test.

Strategic considerations

Downsizing by selling a large family home and purchasing a smaller property can free up capital while maintaining full assets test exemption on your residence.

Debt strategies mean maintaining modest, manageable debt on investment properties reduces their net assessable value.

Gifting has annual limits ($10,000 per year, $30,000 over five years) that allow gradual transfer of wealth to family while potentially improving Age Pension eligibility, though this must be balanced against your own financial security.

Renovation and improvement of your principal residence (which is exempt) rather than accumulating assessable assets can improve Age Pension outcomes while enhancing lifestyle.

Understanding these interactions allows 1Group Property Advisory clients to structure their property portfolios in ways that optimize both wealth accumulation and Age Pension entitlements throughout retirement. Our independent analysis ensures you receive evidence-based recommendations tailored to your unique position.

Transition to retirement strategies

Transition to Retirement (TTR) strategies allow individuals who have reached preservation age but haven't retired to access their superannuation while still working—particularly relevant for healthcare professionals considering reducing clinical hours.

How TTR works

A Transition to Retirement Income Stream (TRIS) allows you to draw between 4% and 10% of your superannuation balance annually while continuing to work. This enables several strategic approaches:

Salary sacrifice boost means continuing to work full-time, drawing a pension from super to replace salary, then salary sacrificing the same amount back into super. The salary sacrifice is taxed at 15% rather than your marginal rate, while the pension is tax-free (if over 60), creating immediate tax savings.

Reduced hours allow you to supplement reduced work income with superannuation pension payments, facilitating a gradual transition into full retirement—ideal for time-poor healthcare professionals seeking better work-life balance.

Debt reduction becomes possible by using TTR pension payments to accelerate mortgage repayment on investment properties, reducing interest costs and improving cash flow.

Property investment and TTR

For property investors, TTR strategies can:

Improve cash flow on negatively geared properties by supplementing income with tax-free pension payments.

Accelerate debt reduction on investment properties approaching retirement, reducing risk and improving rental yields.

Fund deposits for additional investment properties while benefiting from continued employer superannuation contributions.

Bridge income gaps if reducing work hours to focus on active property development or renovation projects.

Tax implications

Before age 60 TTR pension payments are taxed at marginal rates less a 15% tax offset, meaning limited tax benefit in this phase.

After age 60 TTR pension payments become completely tax-free, making this the optimal time to implement salary sacrifice strategies—particularly valuable for high-income healthcare professionals.

Earnings tax applies because, unlike full retirement pensions, earnings within a TRIS are still taxed at 15% until you fully retire or reach age 65.

1Group Property Advisory helps clients approaching preservation age understand how TTR strategies can accelerate property investment goals while optimizing tax outcomes in the years immediately before full retirement. Our data-driven approach identifies opportunities specific to your circumstances.

Estate planning considerations

Effective retirement planning must address what happens to your wealth after death, with property and superannuation following different rules.

Superannuation death benefits

Binding nominations ensure your superannuation death benefit goes to your intended beneficiary by establishing a binding death benefit nomination with your fund.

Tax treatment varies. Death benefits paid to a tax-dependent (spouse or minor child) are tax-free. Payments to non-dependents (adult children) may be taxed up to 17% (15% tax plus 2% Medicare levy) on the taxable component.

Pension reversions mean some account-based pensions can automatically revert to a surviving spouse, continuing tax-free income without interruption.

Estate vs beneficiary matters because paying death benefits directly to nominated beneficiaries avoids probate and associated delays, while payment to your estate allows greater testamentary control.

Property inheritance

Testamentary control means property held personally passes according to your will, providing greater flexibility in distribution among beneficiaries.

Capital gains tax is not payable on death, with the cost base resetting to market value at date of death for beneficiaries.

Principal residence exemption can apply if your home passes to beneficiaries and they sell within two years, potentially eliminating CGT.

Testamentary trusts allow property to be left in trust, providing asset protection and tax planning flexibility for beneficiaries.

Joint tenancy vs tenants in common affects what happens on death. Joint tenancy automatically passes to the surviving owner, while tenants in common allows your share to pass via your will.

Integrated estate planning

1Group Property Advisory recommends working with estate planning specialists to ensure:

Regular review of estate plans ensures they remain aligned with current asset holdings, family situations, and legislative requirements. Our conflict-free advice helps ensure your property portfolio integrates seamlessly with your broader estate planning objectives.

Insurance and risk management

Comprehensive retirement planning must address risks that could derail your financial security, with insurance playing a key role—particularly for healthcare professionals who understand risk management intimately.

Insurance within superannuation

Most superannuation funds offer:

Life insurance provides a lump sum to beneficiaries on death, ensuring debts are cleared and dependents are provided for.

Total and Permanent Disability (TPD) pays a lump sum if you become permanently unable to work, protecting your retirement savings from being consumed by living expenses—critical for healthcare professionals whose income depends on physical and mental capacity.

Income protection replaces a portion of income if you're temporarily unable to work because of illness or injury (less commonly available within super).

Insurance for property investors

Landlord insurance protects against tenant damage, loss of rent, and liability claims—essential for all investment properties.

Building insurance covers the structure against fire, storm, and other damage (typically required by lenders).

Personal liability insurance protects against claims arising from injuries on your property.

Mortgage protection insurance pays mortgage repayments if you're unable to work, protecting your property portfolio during illness or injury.

Life insurance for debt should be sufficient to clear investment property debts, preventing forced sales that could devastate your estate and beneficiaries.

Risk management strategies

Beyond insurance, effective risk management includes:

Diversification by spreading investments across multiple properties, locations, and property types reduces concentration risk. Our due diligence process identifies opportunities across different markets to build resilient portfolios.

Debt management through maintaining buffers and avoiding over-leverage ensures you can weather vacancy periods and interest rate rises.

Emergency funds mean maintaining accessible cash reserves outside superannuation for unexpected property expenses or personal emergencies.

Regular reviews through annual assessment of insurance coverage, debt levels, and investment performance ensures your strategy remains on track.

1Group Property Advisory emphasizes that insurance and risk management aren't optional extras—they're fundamental components of sustainable wealth creation and retirement security. Our data-driven research includes comprehensive risk analysis for every property recommendation.

Seeking professional advice

The intersection of superannuation, taxation, property investment, and retirement planning is complex and constantly evolving. Professional, conflict-free advice is essential for optimizing outcomes.

When to seek advice

Major life transitions like marriage, divorce, inheritance, career changes, or approaching retirement all warrant professional review.

Significant investments require careful consideration. Before purchasing property, especially within an SMSF, comprehensive advice can prevent costly mistakes. As an independent buyer's agent, 1Group provides conflict-free recommendations focused solely on your interests.

Tax changes happen regularly. Superannuation and property tax rules change frequently—professional advice ensures you remain compliant and optimized.

Retirement commencement involves critical decisions. The transition from accumulation to pension phase has lasting consequences.

Estate planning requires specialist input. Ensuring your wealth passes efficiently to your intended beneficiaries requires specialist legal and financial advice.

Building your advisory team

Effective retirement planning typically requires:

Independent buyer's agent to identify suitable investment properties aligned with your goals, risk tolerance, and timeframe through data-driven research and comprehensive due diligence (1Group Property Advisory).

Financial planner to develop comprehensive retirement strategies integrating all asset classes and income sources.

Accountant to optimize tax outcomes, structure investments appropriately, and ensure compliance.

Mortgage broker to secure appropriate financing on competitive terms.

SMSF specialist if considering self-managed super, because specialist advice is essential for establishment and ongoing compliance.

Estate planning lawyer to draft wills, establish trusts, and ensure your estate plan achieves your objectives.

The value of integrated advice

1Group Property Advisory works collaboratively with clients' existing advisors to ensure all elements of your retirement strategy work together cohesively. This integrated approach:

Our conflict-free advice model means we're never incentivized to recommend properties that don't serve your interests. From your initial property brief through to settlement, we provide independent guidance focused exclusively on building your long-term wealth.

Taking action: Your retirement planning journey

Building a secure, comfortable retirement through strategic property investment and superannuation requires deliberate planning and consistent action.

Getting started

Assess your current position by calculating your current superannuation balance, property equity, other assets, and projected retirement needs. For healthcare professionals, this includes considering future earning capacity and career trajectory.

Define your goals by determining your desired retirement age, lifestyle expectations, and legacy intentions. Our client journey begins with understanding your unique property brief.

Identify gaps by comparing your current trajectory with your goals to identify what needs to be addressed. Our data-driven analysis provides clear evidence of required actions.

Develop your strategy by working with 1Group Property Advisory and other specialists to create an integrated property and superannuation strategy based on comprehensive market research.

Take action by implementing your strategy with appropriate property purchases, superannuation contributions, and insurance arrangements.

Review regularly because annual reviews ensure your strategy remains on track and adapts to changing circumstances—essential for time-poor healthcare professionals who need confidence their wealth-building is progressing.

Common pitfalls to avoid

Over-leveraging by taking on more debt than you can service comfortably creates stress and increases the risk of forced sales. Our due diligence process includes detailed serviceability analysis.

Under-diversification through concentrating all wealth in a single property or location magnifies risk. We help build diversified portfolios across multiple markets.

Neglecting insurance can devastate otherwise sound strategies if you fail to protect against disability, death, or property damage.

Ignoring tax by making investment decisions without considering tax implications often leads to suboptimal outcomes—our collaborative approach with your accountant ensures tax efficiency.

Set-and-forget approaches reduce effectiveness over time when you fail to review and adjust your strategy as circumstances change.

Chasing quick gains through speculative investments rarely delivers sustainable retirement security. Our evidence-based approach focuses on proven wealth-building fundamentals.

The power of time and consistency

The most powerful factors in retirement planning are time and consistency. Starting early, contributing regularly, and maintaining a long-term perspective allow compound growth to work its magic.

According to long-term market data, a modest property investment made at age 35, held for 30 years, can grow to become a substantial component of retirement wealth through capital growth and debt reduction. Similarly, consistent superannuation contributions over decades accumulate to significant balances through compound returns.

1Group Property Advisory helps clients at all life stages develop and implement property investment strategies appropriate to their timeframe, circumstances, and goals—whether you're just starting out or approaching retirement. Our independent buyer's agent service ensures every recommendation is backed by comprehensive market research and aligned with your property brief.

Conclusion

Superannuation and retirement planning are among the most important financial journeys you'll undertake. While superannuation provides a tax-effective foundation, strategic property investment can complement and enhance your retirement outcomes through capital growth, rental income, leverage opportunities, and greater control.

Whether you choose to invest in property within your SMSF, hold investments personally, or pursue a combination approach, understanding the rules, risks, and opportunities is essential for success.

1Group Property Advisory specializes in helping healthcare professionals and other time-poor, high-income earners integrate property investment into their broader retirement strategies. As an independent buyer's agent, we provide conflict-free advice, working collaboratively with financial planners, accountants, and other specialists to ensure all elements work together cohesively.

The journey to a comfortable, secure retirement begins with education, planning, and action. By understanding how superannuation and property investment can work together, seeking appropriate professional advice, and implementing a considered strategy based on data-driven research, you can build the retirement you envision.

Your retirement security is too important to leave to chance. From your initial property brief through comprehensive due diligence to settlement, 1Group Property Advisory provides independent guidance focused on building your long-term wealth. Contact us today to explore how strategic property investment can enhance your retirement planning and help you achieve your financial goals.

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Frequently asked questions

What is 1Group Property Advisory: Independent buyer's agent service

Who does 1Group Property Advisory primarily serve: Healthcare professionals and high-income earners

What type of advice does 1Group Property Advisory provide: Conflict-free property investment advice

Does 1Group Property Advisory sell properties: No, independent buyer's agent only

What is the current Superannuation Guarantee rate in 2023: 11% of ordinary time earnings

What will the Superannuation Guarantee rate be in 2025: 12%

What is the annual cap for concessional superannuation contributions: $27,500 per financial year

What is the annual cap for non-concessional superannuation contributions: $110,000 per financial year

Can you use the bring-forward rule for non-concessional contributions: Yes, up to $330,000 over three years

What is the age limit for using the bring-forward rule: Under 67 years old

What is preservation age for those born after July 1960: 60 years old

At what age can you access superannuation regardless of employment: Age 65

What tax rate applies to concessional superannuation contributions: 15%

What is the maximum tax rate on superannuation earnings during accumulation: 15%

What is the tax rate on superannuation earnings in pension phase: 0%

Can you live in a property owned by your SMSF: No

Can you holiday in a property owned by your SMSF: No

Can you rent an SMSF property to related parties: No, with limited commercial property exceptions

How many members can an SMSF have: Up to six members

What is the capital gains tax rate for SMSF properties held over 12 months: 10% during accumulation phase

What is the capital gains tax rate for SMSF pension phase: 0%

What is the typical annual cost of SMSF compliance: $2,000 to $5,000 plus

Are SMSF trustees personally liable for compliance failures: Yes

Can you access property investments outside super at any age: Yes

What is the capital gains tax discount for properties held over 12 months: 50%

Does negative gearing reduce taxable income: Yes

Can property depreciation create tax deductions: Yes

Do property values typically rise with inflation: Yes, according to long-term research

Are superannuation pension earnings tax-free for those over 60: Yes

Are pension withdrawals tax-free for members aged 60 and over: Yes

What is the minimum pension drawdown percentage at age 60-64: 4%

What is the minimum pension drawdown percentage at age 95 plus: 14%

Do rental property rents typically increase with inflation: Yes

Can you sell investment properties outside super at any time: Yes

What is the tax-free threshold for singles with SAPTO in 2022-23: Up to $32,279

What is the tax-free threshold per person for couples with SAPTO: $28,974

Is your principal residence included in the Age Pension assets test: No, completely exempt

Are investment properties assessed in the Age Pension assets test: Yes, at market value less mortgage debt

What is the full Age Pension assets threshold for single homeowners: $301,750 as of March 2023

What is the full Age Pension assets threshold for couple homeowners: $451,500 combined as of March 2023

How much does Age Pension reduce per $1,000 over threshold: $3 per fortnight

What is the Age Pension cut-off for single homeowners: $656,500 as of March 2023

What is the Age Pension cut-off for couple homeowners: $986,500 combined as of March 2023

What is the annual gifting limit for Age Pension purposes: $10,000 per year

What is the five-year gifting limit for Age Pension purposes: $30,000

What is the minimum TRIS drawdown percentage: 4% annually

What is the maximum TRIS drawdown percentage: 10% annually

At what age do TTR pension payments become tax-free: Age 60

Are earnings within a TRIS taxed before full retirement: Yes, at 15%

Can superannuation death benefits avoid probate: Yes, with direct beneficiary nominations

What is the tax rate on death benefits paid to non-dependents: Up to 17%

Is CGT payable on property at death: No

Does the cost base reset at death for beneficiaries: Yes, to market value at date of death

Does joint tenancy automatically pass to surviving owner: Yes

Can tenants in common pass their share via will: Yes

Does 1Group Property Advisory work with other advisors: Yes, collaboratively

Does 1Group Property Advisory provide financial planning services: No, property investment advice only

Does 1Group Property Advisory charge fees to property sellers: No, buyer's agent only

What does 1Group Property Advisory's due diligence include: Comprehensive market research and strategic analysis

Does 1Group Property Advisory recommend every property it assesses: No, only those meeting client brief

Does 1Group Property Advisory accept commissions from developers: No, conflict-free advice model

What should you do before purchasing SMSF property: Seek comprehensive professional advice

How often should you review your retirement strategy: Annually

What is the most powerful factor in retirement planning: Time and consistency

Does 1Group Property Advisory serve clients at all life stages: Yes

What is required to start with 1Group Property Advisory: Initial property brief consultation

Does 1Group Property Advisory provide insurance services: No, property investment advice only

What type of research does 1Group Property Advisory provide: Data-driven market research

Does over-leveraging increase risk of forced sales: Yes

Should you concentrate all wealth in one property: No, diversification recommended

Does 1Group Property Advisory help build diversified portfolios: Yes, across multiple markets

What happens if you ignore tax implications in property investment: Often leads to suboptimal outcomes

Do speculative investments deliver sustainable retirement security: Rarely

What is 1Group Property Advisory's approach to property recommendations: Evidence-based and data-driven

Does 1Group Property Advisory provide settlement support: Yes, from brief through to settlement

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