What is an Account Based Pension?
How an account based pension (ABP) works, the minimum drawdown rules, tax benefits in pension phase and what happens when you pass away.
Superannuation & Retirement
What is a Transition to Retirement Income Stream?
How a TRIS works, who it suits and how it can be used to boost your super contributions or supplement income while still working.
What is the Age Pension?
Eligibility rules, residency requirements, the assets test, the income test and how your Age Pension entitlement is calculated.
Social Security Quick Reference Guide
Current thresholds for the Age Pension assets and income tests, plus key Centrelink rates and figures at a glance.
What are the Limits on Superannuation Contributions?
The annual caps on concessional and non-concessional contributions, carry-forward rules and what happens if you exceed the limits.
What is a Downsizer Contribution?
How selling your family home can unlock a one-off $300,000 super contribution, who qualifies and the key conditions that apply.
What is the First Home Super Saver Scheme?
How to use voluntary super contributions to save for a first home deposit inside the low-tax super environment — and how to access the funds.
What is an Effective Way to Save for Retirement?
A practical overview of strategies to grow your retirement savings — from super contributions and salary sacrifice to investment approaches.
Insurance
What is Income Protection Insurance?
How income protection works, what it covers, benefit periods, waiting periods and how benefits are taxed.
What is Term Life Insurance?
What life insurance covers, how the sum insured is determined and why it is an essential part of protecting your family and dependants.
What is Total & Permanent Disability (TPD) Insurance?
What TPD insurance covers, the difference between Own Occupation and Any Occupation definitions, and when a benefit is paid.
What is Trauma Insurance?
A plain-English guide to trauma (critical illness) cover — what conditions are covered and how a lump sum payment can help with recovery costs.
SMSFs
SMSF — How it Works
The structure, rules and trustee responsibilities of a self-managed super fund, explained in plain English.
Is an SMSF Right for You?
The key questions to consider before setting up an SMSF — including balance thresholds, cost, time commitment and trustee obligations.
Estate Planning
What is Estate Planning?
The key documents every adult should have in place — will, enduring power of attorney, advanced care directive and super beneficiary nominations.
What is a Testamentary Trust?
How a testamentary trust is created through your will, its tax advantages for beneficiaries and the asset protection benefits it can provide.
Investing
What is Dollar Cost Averaging?
How investing a fixed amount at regular intervals reduces the impact of market volatility on your portfolio over time.
What is Responsible Investing?
An introduction to ESG investing — what it means, how it works and how to align your investment portfolio with your values.
Aged Care
What is Home Care? (new entrants post 1 Nov 2025)
How home care works under the new Support at Home program — eligibility, levels of support and what to expect for people entering after 1 November 2025.
Residential Aged Care Fees (new entrants post 1 Nov 2025)
The fee structures for residential aged care under the updated framework — accommodation costs, care fees and means testing for new entrants from 1 November 2025.
Have questions about what you've read?
Our fact sheets cover the essentials. For advice tailored to your super balance, tax position, family and goals — book a free initial discussion with an AGS adviser.
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