Billy | Financial Adviser
Region: AU
Friday 25 September 2026 01:01:19 GMT
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Sacha :
People aren’t retiring on 900,000.
2026-09-25 03:31:01
1
Chew Me (Chewme) :
Claude is ok but be warned. I use it on technical subjects I know a lot about and it makes mountains of mistakes. Finance is complex and I know a fair bit about it and enough to know I will miss Claude’s mistakes
2026-09-25 03:22:46
2
aardvark 1 :
this argument over inflation misses the key critical consideration or variable, as you get older you spend less as your level of activity decreases and at a certain point the aged pension kicks in.......
2026-09-26 06:26:20
0
Xneg27 :
lol show me a safe 900k investment that will consistently draw down 100k and last for 20 years.
2026-09-25 04:06:28
1
David Judson :
This is a good explanation as to why I won’t retire at 60
2026-09-27 08:38:14
1
I Allen 🇦🇺 :
In the first 10 years you might want to spend 10%, but you will slow down and not travel so much
2026-09-25 16:14:03
2
camo6250 :
5% is what you can bank on atm
2026-09-25 07:33:06
2
Are You Sure :
So saving up a million bucks still isn’t enough got it
2026-09-25 03:50:17
0
Pete :
Wise words. A very sound strategy 😁😁😁
2026-09-25 03:18:03
2
Every Face Replaced :
If you're a homeowner couple, you can have nearly $500k in assessable assets and still qualify for the full Age Pension and the government's Home Equity Access Scheme which can boost that pension by up to 50%—meaning a couple can get $69k a year without even touching their other investments. Could you do a TikTok explaining the Home equity Access scheme in more detail? And it’s pros and cons.
2026-09-25 03:51:06
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Chicko :
Once you get down to the threshold you’re pension payment will kick in so you’re redraw will be much less 👻
2026-09-25 03:25:50
2
mac :
gov pay $32000
2026-09-25 03:19:11
1
MelbGuy :
Most people won’t spend $100k pa that’s the reality - $900k would be enough for most people.
2026-09-27 01:01:32
2
Xoxox :
Assuming home ownership, what you are you spending 100 on?
2026-09-27 21:42:11
0
J. :
Claude/ai is not bad for specific questions/topics and analysis but still I think for an average person it’s better than getting advice from their mate 😂 if they can’t afford/don’t want an advisor to help
2026-09-26 01:09:52
1
Chang Noi :
you need to keep a cash buffer outside of super that you can use in periods when markets fall as your super is already stressed, by continuing to withdraw on your super during stressful times you fast track a reduction. Use your cash reserve, hold your super position and let the market hopefully correct itself
2026-09-25 15:35:05
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demons20221 :
You would need to have a larger % in growth assets eg 75 %
2026-09-25 06:50:14
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Kophur :
Pretty unfair system, we will retire with super over the cap and get zero pension.
2026-09-27 00:37:59
0
Terry Quinn :
you would not get any more than 5% return
2026-10-01 05:42:34
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Genjones1758 :
If you can’t generate $1.5million in super you may as well not bother going over $$330k and get the full pension. With super at $330k on 5% and full pension $1900 per fortnight plus pension card benefits. $49400 pa. If you have $1million in super at 5% you get $50k pa no pension card benefits once again the slackers win.
2026-09-27 04:59:53
0
Sacha :
😁😁😁
2026-09-25 04:11:41
0
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