Page 9 - FWP Wealth-Adviser-Issue-121 (FWP)
P. 9

ISSUE 121
                                                                                                        SEPTEMBER 2025

           cently closed, opened, or changed investments. Accurate   ahead, and regularly reviewing strategies with an adviser
           asset reporting ensures you receive what you’re owed.  can help you preserve wealth and peace of mind no matter
        3.  Consider Your Investment Strategy                   how deeming, pensions, or other rules move in the years
           While chasing returns just to beat the deeming rate isn’t   ahead.
           always wise, a professional adviser can help you iden-  Remember, the Age Pension is just one part of your finan-
           tify products (like annuities or special account-based   cial future. Whether you’re aiming to maximise entitlements
           pensions such as AMP’s Super Lifetime Boost) that may   or simply avoid nasty surprises, a little preparation can go a
           optimise your pension entitlement.                   long way.
        4.  Factor in the Age Pension Increase
           Calculate how much of the September 2025 pension
           increase will be offset by higher deemed income, and   References
           adjust your retirement budget if necessary.          •  What are deeming rates and how 2025 changes could affect your
        5.  Plan Ahead if Not Yet Retired                        retirement plans. AMP. (2025).
           Even if you’re planning for retirement in a few years,   •  Deeming rates (2025–26) and calculator for the Age Pension.
           familiarise yourself with asset and income test rules now   SuperGuide. (2025).
           and model different scenarios for your superannuation or   •  Deeming – Age Pension. Services Australia. (2025).
           investment holdings.                                 •  Deeming rates are increasing. Services Australia. (2025).
        6.  Seek Quality Advice                                 •  4.4.1.10 Overview of deeming | Social Security Guide. Department of
           Every retiree’s situation is unique. A trusted adviser can   Social Services. (2025).
           help you navigate changing policy, understand the full   •  Will a deeming rate change cost you? National Seniors Australia.
           impact of new rules, and take action proactively.     (2025).
                                                                •  Age Pension Increase from 20 September 2025. Yield Financial
        Coping with Future Changes                               Planning. (2025).
           The only certainty in retirement planning is change.   •  Age Pension – 4 major changes applying from 20 September 2025.
        Governments adjust rules, economic conditions shift, and   SuperCentral. (2025).
        personal circumstances evolve. Keeping informed, planning











































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