Money

Super & retirement

Superannuation

Opinion

Noel Whittaker Money columnist October 22, 2025 — 5.01am

I am 67 and my husband is 68, and we are both retired. Between us, we have about $1.5 million in superannuation, from which we currently receive fortnightly payments from our income stream accounts. In addition, we hold about $50,000 in shares – mainly BHP shares that I inherited and some CBA shares. My super totals $975,000, made up of $170,000 with one fund and $805,000 in a defined benefit account that is in a holding account not yet opened. My husband’s super balance is $774,000.

We plan to downsize, but because our current home is in a lower-value area than the one where we intend to buy, we expect to be about $200,000 out of pocket. We would like advice on whether it

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