Important Information:

Some site functionality will be unavailable between 01:00 and 09:00 on Sunday 28th of July for scheduled maintenance. We apologise for any inconvenience caused.

nabtrade outage:

Please be advised that there is a global technology incident impacting NAB and other companies which is preventing clients from being able to login to nabtrade and many of our staff from accessing their laptops and answering client calls. Lengthy call wait times have resulted. We apologise for the inconvenience caused.

Learn more

Forgotten your password?

Authorised Person login

NAB Defence

NAB Defence, your protection against fraud.

Learn more about NAB Defence

Your Wealth

Saving for retirement, without using super

In this episode, we look at strategies to save for your retirement outside superannuation. Superannuation continues to be the most popular and tax effective vehicle for saving for retirement, but the reduced contribution caps and Transfer Balance Cap have now limited its effectiveness for many people, leaving many investors wondering what alternatives will assist them to achieve their retirement savings objectives.

Gemma Dale | nabtrade

20 December 2017 03:40 PM

23 min listen

In this episode, we look at strategies to save for your retirement outside superannuation. Superannuation continues to be the most popular and tax effective vehicle for saving for retirement, but the reduced contribution caps and Transfer Balance Cap have now limited its effectiveness for many people, leaving many investors wondering what alternatives will assist them to achieve their retirement savings objectives.

In Saving for retirement, without using super, Gemma Dale interviews finance expert Katie Whiffen about the pros and cons of strategies such as:

regular savings plans
managed funds and separately managed accounts
offset accounts and paying down your mortgage
borrowing to buy investment property, and
borrowing to buy equities.

The information provided in this podcast is intended to be of a general nature only. Any advice has been prepared without taking into account your objectives, financial situation or needs. Before acting on any advice, National Australia Bank Limited (ABN 12 004 044 937 AFSL 230686) (NAB) recommends you consider whether it is appropriate for your objectives, financial situation and needs. NAB recommends that you seek independent advice before acting on any of this information. NAB is not a registered tax agent and any taxation information contained on this website is of a general nature. The tax consequences of investing will depend on your particular circumstances and we recommend that you seek professional tax advice before applying for a financial product. The information in this podcast is not a substitute for reading the relevant terms and conditions and Product Disclosure Statement (PDS) before making any decisions available via our website at www.nab.com.au

About the Author

Gemma Dale , nabtrade

Gemma Dale is Director of SMSF and Investor Behaviour at nabtrade. She is the host of the Your Wealth podcast, a fortnightly podcast for investors, featuring insights and updates from markets and finance experts across a range of topics. She provides regular market and finance commentary on ausbiz and in other media including AFR, the Australian, ABC and commercial tv and radio. Gemma was previously the Head of SMSF Solutions for nab, and the Head of Technical Services for MLC, where she led a team of specialists providing advice to advisers and their clients on SMSF, super, tax, social security and aged care.