Thinking about working after retirement? Whether it’s for extra income, staying active or keeping a sense of purpose, many Australians continue to earn after they stop full-time work. But how does that affect your Age Pension, and how much can you actually earn without reducing it? 

Host Andrew Mackinnon is joined by CBUS Coordinator Tim Jovic and CBUS Adviser Simone Toto, to unpack the Work Bonus and the strategies that can help maximise your entitlements. They also explain where to get help and how staying informed can make a real difference to your retirement income. 

 Because it's time to shift the way you think about your Super. 

 

RESOURCES 
Retirement planning: https://cbussuper.info/retirementplanner 
Attend an education session: https://cbussuper.info/attendseminar 
Calculators: https://cbussuper.info/RetirementCalculators 
For more on compound investment returns (aka compound interest), visit our website: https://cbussuper.info/investmentbasics 
Age Pension tests: https://www.cbussuper.com.au/retirement/age-pension#tests 
Retirement standards are based on ASFA  research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/  
Additional superannuation resources: https://moneysmart.gov.au  

 

DISCLAIMER 

The information on this podcast is about CBUS. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super). 

 

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel 
+61 3 9882 8333

Thinking about working after retirement? Whether&nbsp;it&rsquo;s&nbsp;for extra income, staying active or keeping a sense of purpose, many Australians continue to earn after they stop full-time work. But how does that affect your Age Pension, and how much can you&nbsp;actually earn&nbsp;without reducing it?&nbsp;
Host Andrew Mackinnon is joined by CBUS&nbsp;Coordinator Tim Jovic and CBUS&nbsp;Adviser Simone Toto, to unpack the Work Bonus and the strategies that can help maximise your entitlements. They also explain where to get help and how staying informed can make a real difference to your retirement income.&nbsp;
&nbsp;Because it's time to shift the way you think about your Super.&nbsp;
&nbsp;
RESOURCES&nbsp;
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="7" data-aria-level="1">Retirement planning:&nbsp;<a href="https://url.au.m.mimecastprotect.com/s/WQbeCANp88ujxNoquYsnFG3BIc?domain=cbussuper.info">https://cbussuper.info/retirementplanner</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="8" data-aria-level="1">Attend an education session:&nbsp;<a href="https://url.au.m.mimecastprotect.com/s/6Ij-CyojppuYGrWVcMhDFxwLcY?domain=cbussuper.info">https://cbussuper.info/attendseminar</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="9" data-aria-level="1">Calculators:&nbsp;<a href="https://cbussuper.info/RetirementCalculators">https://cbussuper.info/RetirementCalculators</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="10" data-aria-level="1">For more on compound investment returns (aka compound interest), visit our website: <a href="https://url.au.m.mimecastprotect.com/s/GkvSCBNq11uvx7m2SWtJF2aKuh?domain=cbussuper.info">https://cbussuper.info/investmentbasics</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="11" data-aria-level="1">Age Pension tests: <a href="https://www.cbussuper.com.au/retirement/age-pension#tests">https://www.cbussuper.com.au/retirement/age-pension#tests</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="12" data-aria-level="1">Retirement standards are based on&nbsp;ASFA&nbsp; research, which you can access here:&nbsp;<a href="https://www.superannuation.asn.au/consumers/retirement-standard/">https://www.superannuation.asn.au/consumers/retirement-standard/</a>&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="13" data-aria-level="1">Additional&nbsp;superannuation resources:&nbsp;<a href="https://moneysmart.gov.au/">https://moneysmart.gov.au</a>&nbsp;&nbsp;</li>
</ul>
&nbsp;
DISCLAIMER&nbsp;
The information on this podcast is about&nbsp;CBUS. It&nbsp;doesn&rsquo;t&nbsp;account for your specific needs. Please consider your financial position,&nbsp;objectives&nbsp;and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read&nbsp;the relevant PDS and TMD to decide&nbsp;what&rsquo;s&nbsp;right for you. Call 1300 361 784 or visit cbussuper.com.au.&nbsp;Contact us or visit cbussuper.com.au. &copy; 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super).&nbsp;
&nbsp;
The Cbus Super Shift podcast is produced for <a href="https://www.cbussuper.com.au/">Cbus Super </a>by:
<a href="https://soundcartel.com.au/">SoundCartel&nbsp;</a> +61 3 9882 8333

Do you know how much is in your Super account? It's okay if you're unsure. You're in the majority. While the idea of Superannuation can seem overwhelming, it doesn’t have to be. 

Hosted by Andrew Mackinnon, in each episode of the Cbus Super Shift Podcast, Andrew is joined by one of the many Cbus Coordinators, and an expert from the Cbus Advice Team. 

They’ll cover topics like ‘What’s enough to live well?’ ‘How to track your Super’ and ‘Planning for what you leave behind.’ 

You’ll get simple, practical steps to manage your super, and explain government initiatives and entitlements that you may very well be eligible for. 

The time is now to take action for the future you actually want. 

So, whether retirement is still a long way off or almost at your doorstep, it's time to shift the way you think about your Super. 

RESOURCES
Attend an education session: https://cbussuper.info/attendseminar
Calculators: https://cbussuper.info/calculator
Retirement planning: https://cbussuper.info/retirementplanner
For more on compound investment returns (aka compound interest):https://cbussuper.info/investmentbasics
Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/ 

 

DISCLAIMER

The information on this podcast is about Cbus Super. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super).

Do you know how much is in your Super account? It's okay if you're unsure. You're in the majority. While the idea of Superannuation can seem overwhelming, it doesn&rsquo;t have to be.&nbsp;
Hosted by Andrew Mackinnon, in each episode of the Cbus Super Shift Podcast, Andrew is joined by one of the many Cbus Coordinators, and an expert from the Cbus Advice Team.&nbsp;
They&rsquo;ll cover topics like &lsquo;What&rsquo;s enough to live well?&rsquo; &lsquo;How to track your Super&rsquo; and &lsquo;Planning for what you leave behind.&rsquo;&nbsp;
You&rsquo;ll get simple, practical steps to manage your super, and explain government initiatives and entitlements that you may very well be eligible for.&nbsp;
The time is now to take action for the future you actually want.&nbsp;
So, whether retirement is still a long way off or almost at your doorstep, it's time to shift the way you think about your Super.&nbsp;
RESOURCES
<ul>
<li>Attend an education session: <a href="https://cbussuper.info/attendseminar">https://cbussuper.info/attendseminar</a></li>
<li>Calculators: <a href="https://cbussuper.info/calculator">https://cbussuper.info/calculator</a></li>
<li>Retirement planning: <a href="https://cbussuper.info/retirementplanner">https://cbussuper.info/retirementplanner</a></li>
<li>For more on compound investment returns (aka compound interest): <a href="https://cbussuper.info/investmentbasics">https://cbussuper.info/investmentbasics</a></li>
<li>Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here: <a href="https://www.superannuation.asn.au/consumers/retirement-standard/">https://www.superannuation.asn.au/consumers/retirement-standard/</a>&nbsp;</li>
</ul>
&nbsp;
DISCLAIMER
The information on this podcast is about Cbus Super. It doesn&rsquo;t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what&rsquo;s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. &copy; 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super).

Cbus Super Shift

Earn without losing your age pension

Standing on the edge of retirement can feel overwhelming. After decades of routine, work and wages, suddenly everything is about to change. So how do you prepare financially, mentally and emotionally, for the next phase of life? 

Join host Andrew Mackinnon as he speaks with CBUS Coordinator Tracie Wilson and CBUS Retirement Advice Consultant Dianne Abbley. Together, they explore how to avoid “retirement shock”, how to think about income in retirement, and why purpose and staying curious matter just as much as money. 

 Because it's time to shift the way you think about your Super. 

 

RESOURCES 
Retirement planning: https://cbussuper.info/retirementplanner
Attend an education session: https://cbussuper.info/attendseminar
Calculators: https://cbussuper.info/calculator   
For more on compound investment returns (aka compound interest), visit our website: https://cbussuper.info/investmentbasics
Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/
Retirement standards are based on ASFA research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/  
Additional superannuation resources: https://moneysmart.gov.au  

 

DISCLAIMER 

The information on this podcast is about CBUS. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 CBUS. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (CBUS and /or Cbus Super). 

 

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel 
+61 3 9882 8333

Standing on the edge of retirement can feel overwhelming. After decades of routine,&nbsp;work&nbsp;and wages, suddenly everything is about to change. So how do you prepare financially,&nbsp;mentally&nbsp;and emotionally, for the next phase of life?&nbsp;
Join host Andrew Mackinnon as he speaks with CBUS&nbsp;Coordinator Tracie Wilson and CBUS&nbsp;Retirement Advice Consultant Dianne&nbsp;Abbley. Together, they explore how to avoid &ldquo;retirement shock&rdquo;,&nbsp;how to think about income in retirement, and why purpose and staying curious matter just as much as money.&nbsp;
&nbsp;Because it's time to shift the way you think about your Super.&nbsp;
&nbsp;
RESOURCES&nbsp;
<ul>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="1" data-aria-level="1">Retirement planning:&nbsp;<a href="https://cbussuper.info/retirementplanner">https://cbussuper.info/retirementplanner</a></li>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="1" data-aria-level="1">Attend an education session: <a href="https://url.au.m.mimecastprotect.com/s/6Ij-CyojppuYGrWVcMhDFxwLcY?domain=cbussuper.info">https://cbussuper.info/attendseminar</a></li>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="1" data-aria-level="1">Calculators: <a href="https://cbussuper.info/calculator">https://cbussuper.info/calculator</a>&nbsp; &nbsp;</li>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="1" data-aria-level="1">For more on compound investment returns (aka compound interest), visit our website: <a href="https://url.au.m.mimecastprotect.com/s/GkvSCBNq11uvx7m2SWtJF2aKuh?domain=cbussuper.info">https://cbussuper.info/investmentbasics</a></li>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="1" data-aria-level="1">Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here:&nbsp;<a href="https://www.superannuation.asn.au/consumers/retirement-standard/">https://www.superannuation.asn.au/consumers/retirement-standard/</a></li>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="1" data-aria-level="1">Retirement standards are based on&nbsp;ASFA research, which you can access here:&nbsp;<a href="https://www.superannuation.asn.au/consumers/retirement-standard/">https://www.superannuation.asn.au/consumers/retirement-standard/</a>&nbsp;&nbsp;</li>
<li aria-setsize="-1" data-leveltext="" data-font="Symbol" data-listid="2" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769226&quot;:&quot;Symbol&quot;,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="1" data-aria-level="1">Additional superannuation resources:&nbsp;<a href="https://moneysmart.gov.au/">https://moneysmart.gov.au</a>&nbsp;&nbsp;</li>
</ul>
&nbsp;
DISCLAIMER&nbsp;
The information on this podcast is about&nbsp;CBUS. It&nbsp;doesn&rsquo;t&nbsp;account for your specific needs. Please consider your financial position,&nbsp;objectives&nbsp;and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read&nbsp;the relevant PDS and TMD to decide what&rsquo;s right for you. Call 1300 361 784 or visit cbussuper.com.au.&nbsp;Contact us or visit cbussuper.com.au. &copy; 2025&nbsp;CBUS. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (CBUS&nbsp;and /or Cbus Super).&nbsp;
&nbsp;
The Cbus Super Shift podcast is produced for <a href="https://www.cbussuper.com.au/">Cbus Super </a>by:
<a href="https://soundcartel.com.au/">SoundCartel&nbsp;</a> +61 3 9882 8333

 Your retirement game plan 

For many Australians with superannuation accounts, the Age Pension can be the difference between retiring with strain or retiring with confidence. Yet countless people miss out simply because they don’t understand how the system works. A few key rules can change your entire retirement outlook.

In this episode, host Andrew Mackinnon is joined by Cbus Senior Education Specialist Jeff Wallens and Cbus Coordinator Tracie Wilson to cut through the confusion. They unpack eligibility, the income and assets tests and why the timing of your application can significantly affect what you receive.

Because it’s time to shift the way you think about your Super. 

RESOURCES 

Retirement planning: https://cbussuper.info/retirementplanner 
Attend an education session: https://cbussuper.info/attendseminar 
Calculators: https://cbussuper.info/RetirementCalculators  
For more on compound investment returns (aka compound interest): https://cbussuper.info/invevstmentbasics   
The retirement standards quoted amounts are based on the ASFA retirement standards research, which you can access here: https://cbussuper.info/RetirementStandard  
Retirement Essentials – Centrelink benefits: Why retirees are missing out: https://cbussuper.info/CentrelinkBenefits 
Towards higher retirement incomes for Australians: a history of the Australian retirement income system since Federation: https://cbussuper.info/history  
Retirement Reality: Advice and the Age Pension. MUFG whitepaper: https://cbussuper.info/AdviceMUFG  

 

DISCLAIMER 

The information on this podcast is about CBUS. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 CBUS. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (CBUS and /or Cbus Super). 

 

 

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel 
+61 3 9882 8333

For many Australians with superannuation accounts, the Age Pension can be the difference between retiring with strain or retiring with confidence. Yet countless people miss out simply because they don&rsquo;t understand how the system works. A few key rules can change your entire retirement outlook.
In this episode, host Andrew Mackinnon is joined by Cbus Senior Education Specialist Jeff Wallens and Cbus Coordinator Tracie Wilson to cut through the confusion. They unpack eligibility, the income and assets tests and why the timing of your application can significantly affect what you receive.
Because&nbsp;it&rsquo;s&nbsp;time to shift the way you think about your Super.&nbsp;
RESOURCES&nbsp;
<ul>
<li aria-setsize="-1" data-leveltext="●" data-font="" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;●&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="31" data-aria-level="1">
<ul>
<li aria-setsize="-1" data-leveltext="●" data-font="" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;●&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="31" data-aria-level="1">Retirement planning:&nbsp;<a href="https://cbussuper.info/retirementplanner">https://cbussuper.info/retirementplanner</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="●" data-font="" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;●&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="32" data-aria-level="1">Attend an education session:&nbsp;<a href="https://cbussuper.info/attendseminar">https://cbussuper.info/attendseminar</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="●" data-font="" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;●&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="33" data-aria-level="1">Calculators:&nbsp;<a href="https://cbussuper.info/RetirementCalculators">https://cbussuper.info/RetirementCalculators</a>&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="●" data-font="" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;●&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="34" data-aria-level="1">For more on compound investment returns (aka compound interest):&nbsp;<a href="https://cbussuper.info/invevstmentbasics">https://cbussuper.info/invevstmentbasics</a>&nbsp;&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="●" data-font="" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;●&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="35" data-aria-level="1">The retirement standards quoted&nbsp;amounts are based on&nbsp;the&nbsp;ASFA retirement standards research, which you can access here:&nbsp;<a href="https://cbussuper.info/RetirementStandard">https://cbussuper.info/RetirementStandard</a>&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="●" data-font="" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;●&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="36" data-aria-level="1">Retirement Essentials &ndash; Centrelink benefits: Why retirees are missing out:&nbsp;<a href="https://cbussuper.info/CentrelinkBenefits">https://cbussuper.info/CentrelinkBenefits</a>&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="●" data-font="" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;●&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="37" data-aria-level="1">Towards higher retirement incomes for Australians: a history of the Australian retirement income system&nbsp;since Federation:&nbsp;<a href="https://cbussuper.info/history">https://cbussuper.info/history</a>&nbsp;&nbsp;</li>
</ul>
<ul>
<li aria-setsize="-1" data-leveltext="●" data-font="" data-listid="1" data-list-defn-props="{&quot;335552541&quot;:1,&quot;335559685&quot;:720,&quot;335559991&quot;:360,&quot;469769242&quot;:[8226],&quot;469777803&quot;:&quot;left&quot;,&quot;469777804&quot;:&quot;●&quot;,&quot;469777815&quot;:&quot;multilevel&quot;}" data-aria-posinset="38" data-aria-level="1">Retirement Reality: Advice and the Age Pension. MUFG whitepaper:&nbsp;<a href="https://cbussuper.info/AdviceMUFG">https://cbussuper.info/AdviceMUFG</a>&nbsp;&nbsp;</li>
</ul>
</li>
</ul>
&nbsp;
DISCLAIMER&nbsp;
The information on this podcast is about CBUS. It&nbsp;doesn&rsquo;t&nbsp;account for your specific needs. Please consider your financial position,&nbsp;objectives&nbsp;and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read&nbsp;the relevant PDS and TMD to decide&nbsp;what&rsquo;s&nbsp;right for you. Call 1300 361 784 or visit cbussuper.com.au.&nbsp;Contact us or visit cbussuper.com.au. &copy; 2025 CBUS. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (CBUS and /or Cbus Super).&nbsp;
&nbsp;
&nbsp;
The Cbus Super Shift podcast is produced for <a href="https://www.cbussuper.com.au/">Cbus Super </a>by:
<a href="https://soundcartel.com.au/">SoundCartel&nbsp;</a> +61 3 9882 8333

Shaping your retirement with the Age Pension 

As you approach retirement, one of the simplest ways to boost your confidence and your bank balance, is understanding the extra benefits available through the Age Pension. From discounts to direct savings, these supports can reduce your living costs and make your retirement income stretch further than you might expect.

Host Andrew Mackinnon speaks with Cbus Coordinator Phil Milne and Cbus Retirement Advice Consultant Bonyit Mabor. Together, they unpack the real value of concession cards, the Work Bonus, tax offsets and why so many retirees miss out on thousands of dollars simply because they don't apply for the Age Pension. This episode breaks it all down, so you can understand how to unlock what support is available for you.

Because it’s time to shift the way you think about your Super.

 

RESOURCES
Attend an education session: https://cbussuper.info/attendseminar
Calculators: retirement income estimate calculator
Retirement planning: https://cbussuper.info/retirementplanner
For more on compound investment returns (aka compound interest):https://cbussuper.info/investmentbasics
Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here: https://www.superannuation.asn.au/consumers/retirement-standard/ 
For more superannuation resources: https://moneysmart.gov.au/
Retirement Essentials – Centrelink benefits: Why retirees are missing out: https://cbussuper.info/CentrelinkBenefits  

 

DISCLAIMER

The information on this podcast is about Cbus Super. It doesn’t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what’s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. © 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super).

 

The Cbus Super Shift podcast is produced for Cbus Super by:

SoundCartel 
+61 3 9882 8333

As you approach retirement, one of the simplest ways to boost your confidence and your bank balance, is understanding the extra benefits available through the Age Pension. From discounts to direct savings, these supports can reduce your living costs and make your retirement income stretch further than you might expect.
Host Andrew Mackinnon speaks with Cbus Coordinator Phil Milne and Cbus Retirement Advice Consultant Bonyit Mabor. Together, they unpack the real value of concession cards, the Work Bonus, tax offsets and why so many retirees miss out on thousands of dollars simply because they don't apply for the Age Pension. This episode breaks it all down, so you can understand how to unlock what support is available for you.
Because it&rsquo;s time to shift the way you think about your Super.
&nbsp;
RESOURCES
<ul>
<li aria-level="1">Attend an education session: <a href="https://cbussuper.info/attendseminar">https://cbussuper.info/attendseminar</a></li>
<li aria-level="1">Calculators: <a href="https://www.cbussuper.com.au/tools-resources/calculators/retirement-income-estimate-calculator">retirement income estimate calculator</a></li>
<li aria-level="1">Retirement planning: <a href="https://cbussuper.info/retirementplanner">https://cbussuper.info/retirementplanner</a></li>
<li aria-level="1">For more on compound investment returns (aka compound interest): <a href="https://cbussuper.info/investmentbasics">https://cbussuper.info/investmentbasics</a></li>
<li aria-level="1">Amounts are based on industry standards and/or ASFA retirement standards research, which you can access here: <a href="https://www.superannuation.asn.au/consumers/retirement-standard/">https://www.superannuation.asn.au/consumers/retirement-standard/</a>&nbsp;</li>
<li>For more superannuation resources: <a href="https://moneysmart.gov.au/">https://moneysmart.gov.au/</a></li>
<li>Retirement Essentials &ndash; Centrelink benefits: Why retirees are missing out:&nbsp;<a href="https://cbussuper.info/CentrelinkBenefits">https://cbussuper.info/CentrelinkBenefits</a>&nbsp;&nbsp;</li>
</ul>
&nbsp;
DISCLAIMER
The information on this podcast is about Cbus Super. It doesn&rsquo;t account for your specific needs. Please consider your financial position, objectives and requirements before making financial decisions. Past performance is not a reliable indicator of future performance. Read the relevant PDS and TMD to decide what&rsquo;s right for you. Call 1300 361 784 or visit cbussuper.com.au. Contact us or visit cbussuper.com.au. &copy; 2025 Cbus Super. All rights reserved. United Super Pty Ltd ABN 46 006 261 623 AFSL 233792 as Trustee for the Construction and Building Unions Superannuation Fund ABN 75 493 363 262 (Cbus and /or Cbus Super).
&nbsp;
The Cbus Super Shift podcast is produced for Cbus Super by:
<a href="https://soundcartel.com.au/">SoundCartel&nbsp;</a> +61 3 9882 8333

Earn without losing your age pension

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