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If you’re aged 60 or over and retired (or satisfy another condition of release on or after the age of 60 – see Chapter 19), you can access tax-free superannuation benefits from your DIY super fund. If you choose to retire before the age of 60, you may pay some tax on your super benefits. If you’re aged 65 or over, you don’t even have to retire to access your tax-free super benefits.

The Retirement Super Star in Figure 1-1, essentially a summary of Part V of this book, is a great starting point for kicking off your SMSF retirement plans. You also find the answers to the second, and third, most popular questions in retirement planning:

✔ What if I don’t have enough super to last for my expected lifetime (see Chapters 19, 20, 21 and 22)?

✔ What happens to my super savings, and my super fund, after I die (see Chapter 24)?

I know what’s on your mind: If these are the second, and third, most popular questions, what then is the number one question asked by Australians when planning for one’s retirement?

That’s easy. The most popular question asked by prospective retirees is: ‘How much money is enough?’ I consider the answer at length in Chapter 3, and cover the topic in even more detail on my website, SuperGuide (www.superguide.com.au).

Figure 1-1: Your retirement super star.