Superannuation Sweet Spot Explained: How Much Super You Need for Australian Age Pension Access in 2025

Inside the advice sector, they call it ‘the sweet spot’: The perfect amount of money to have in super that also guarantees you access to a government pension.

Inside the advice sector, they call it ‘the sweet spot’: The perfect amount of money to have in super that also guarantees you access to a government pension. With the majority of Australians accessing full or part-time pensions, it’s a big game and the rules have been clear for a long time.

But those ‘pension access’ rules may soon be overhauled as the government launches a major tax review this month at the so-called ‘productivity summit.

Hugh Robertson of Centaur Financial Services joins Associate Editor - Wealth James Kirby in this episode.


In today's show, we cover...
The retirement sweet spot for optimising pension access
The retirement black spot - just missing out on a pension 
Why the pension asset test may soon be tightened
Dividend Reinvestment Plans - Not for everyone

Inside the advice sector, they call it &lsquo;the sweet spot&rsquo;: The perfect amount of money to have in super that also guarantees you access to a government pension.&nbsp;With the majority of Australians accessing full or part-time pensions, it&rsquo;s a big game and the rules have been clear for a long time.
But those &lsquo;pension access&rsquo; rules may soon be overhauled as the government launches a major tax review this month at the so-called &lsquo;productivity summit.
Hugh Robertson of Centaur Financial Services joins Associate Editor - Wealth James Kirby in this episode.
 In today's show, we cover...
<ul>
<li>The retirement sweet spot for optimising pension access</li>
<li>The retirement black spot - just missing out on a pension&nbsp;</li>
<li>Why the pension asset test may soon be tightened</li>
<li>Dividend Reinvestment Plans - Not for everyone</li>
</ul>

Every week, The Australian's James Kirby delivers two power-packed episodes featuring in-depth analysis of property markets and smart money-making strategies.

Unlock your wealth potential with The Money Puzzle.

Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.

Get tips from leading experts and practical tools to help build lasting wealth.

Submit your questions at themoneypuzzle@theaustralian.com.au. 

Unlock your wealth potential with The Money Puzzle.
Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.
Get tips from leading experts and practical tools to help build lasting wealth.
Submit your questions at <a href="mailto:themoneypuzzle@theaustralian.com.au">themoneypuzzle@theaustralian.com.au</a>.&nbsp;

The Australian’s Money Puzzle covers all important finance and property topics.

The Money Puzzle

Unlock your wealth potential with The Money Puzzle.

Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.

Get tips from leading experts and practical tools to help build lasting wealth.

Submit your questions at themoneypuzzle@theaustralian.com.au.

Unlock your wealth potential with The Money Puzzle.
Featuring two power-packed episodes each week packed with smart money-making strategies, from superannuation to investing in shares, plus in-depth analysis of property markets.
Get tips from leading experts and practical tools to help build lasting wealth.
Submit your questions at themoneypuzzle@theaustralian.com.au.

The retirement 'sweet spot' is under threat 

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