Retire School's Blog

On 25 March 2025, the Labor Government handed down the 2025/26 Federal Budget.

It was largely a very quiet Budget, although I was surprised by the tax cuts that were announced. However, it does make some sense because the tax cuts are easily understood and everyone who earns over $20,000 will recei...

When planning for retirement, one of the biggest concerns is ensuring your money lasts as long as you do.

An annuity can provide a steady income stream, offering financial security in your later years. However, annuities are not for everyone, and understanding their pros and cons is essential befor...

Index funds have become one of the most popular investment choices for retirees, offering diversification, low fees, and steady long-term growth.

However, in recent times some financial experts have raised concerns that index funds could pose hidden risks, potentially turning them into a "retiremen...

Investing in the stock market is often associated with wealth creation, but for retirees, the question arises: is it too risky? With retirement savings being a crucial financial lifeline, making the wrong investment decisions can have serious consequences.

In this blog post, we explore the risks an...

I was recently interviewed by Money Management magazine about the opportunities for advisers beyond the capital cities. If you’re really keen, you can see the article here.

This got me thinking about the ‘Sea Change’ or ‘Tree Change’ which many people choose for their retirement.

As a resident of ...

In this episode of the Retire Right podcast the founder of Retire School, Wayne Terry, and his colleague Martin McGrath tackle retirement planning strategies and considerations for singles and widows, focusing on how to make the most of your assets. They also dive into a scenario of retiring with a ...

For many Australians, the Age Pension is a key part of their retirement income. However, while the Age Pension provides essential financial support to millions of retirees, it’s not designed to provide the type of lifestyle many retirees want, especially in the early years when lifestyle expenses ar...

Planning for retirement can be overwhelming, and even small missteps can have a lasting impact. Here are the top 5 mistakes people make when preparing for retirement.

1. Starting Too Late

You would be surprised how often I hear the line “I’ll consider things more when I’m about to retire”. I’m no...

First up, happy New Year everyone! 

Were excited to bring in the new year and, as always, our resolution is to help as many Australian's as possible reach their retirement dreams - or at least start working towards them in 2025.

So, to get our resolution started off on the right foot, Wayne decide...

In this video, Wayne explores the advertised performance of the top 10 industry super funds in Australia and how these funds sometimes display performance figures which are not relevant to how you should invest your money, nor a fair comparison to other super funds.

Make sure you watch until the e...

Retirement specialist adviser and founder of Retire School, Wayne Terry, has been named as a finalist in the ifa Excellence Awards 2024 in two separate categories – Regional Adviser of the Year and Transformation of the Year.

After receiving over 530 applications, the finalist list features over 3...

As a financial adviser, I often notice that that there is a disconnect in clients’ minds about what they are actually buying when they purchase financial assets, such as shares and bonds. Therefore, I think an explanation of how these assets are valued might assist you in becoming more comfortable w...