Tahli Cavagnino

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599 appearances 2 recordings 1 series first heard May 2026 last heard 6d ago

Tahli Cavagnino’s voice in public audio — every appearance, attributed to the second.

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Australian Finance Podcast · What happens to Super when you retire? · 17 Sep 2026 podcast

And that also depends because some defined benefits don't offer a lifetime pension.

Um they will just have a lump sum

benefit.

Right.

But the tax on that is also very different.

So um

when you start to draw money out of one of these schemes, there's basically the three components.

So we have a tax free component, a taxable taxed element, and then we've also got a taxable untaxed element.

So many tax

So with the money coming out, basically for those first two, if we're looking at someone over age sixty, we can assume it's generally tax-free, but then that last component, the taxable untaxed, that one is still taxed even after you turn age sixty.

Usually um or it is fifteen percent tax um plus two percent Medicare on the lump sum.

Interesting.

Or if you're taking it as an income stream, it's taxed at your marginal tax rate, less a ten percent tax offset.

Before age sixty at something else.

So we won't go into that.

Yeah.

And so firstly, um, just on that, it is age based, so it increases as you age.

Um, but according to APRA, forty four percent of people do just take the minimum.

So that's nearly half of retirees that are just taking out the

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