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Strategies and considerations to help improve Age Pension
These tips may work best for clients who:
- are on a part Age Pension but could be getting more; or
- currently miss out but could be eligible for a part Age Pension by restructuring.
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Top 10 social security means testing FAQs of 2020
Minh Ly, Challenger’s Technical Services Manager, will run through answers to the most asked questions on social security means testing.
![Invest in a lifetime annuity v2 CONTENT](/-/media/challenger/images/cards/product-cards/invest-in-a-lifetime-annuity-v2-content.jpg?h=228&iar=0&mh=334&mw=550&w=376&hash=7C7D7F6F10C2CA5023AF8B0039C7880F)
Invest in a lifetime annuity
Investing in a lifetime income stream may help boost your clients’ Age Pension - thanks to Government means testing rules.
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Gifting limits and the Age Pension
Discover how Centrelink gifting limits work when a client wants to give away assets to another person.
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Age Pension impact due to spouse passing away
There are a number of financial considerations that require appropriate prioritisation in the event of the death of a spouse.
![Appropriate valuation v2 CONTENT](/-/media/challenger/images/cards/product-cards/appropriate-valuation-v2-content.jpg?h=228&iar=0&mh=334&mw=550&w=376&hash=C1424A9661FB9FB9CCEB676852BE8AFB)
Appropriate valuation of non financial assets
Make sure incorrect asset valuations aren’t reducing your clients’ Age Pension entitlements. Most assets depreciate over time - providing an opportunity to increase your clients’ Age Pension.
![Transfer your assets to a younger spouses super CONTENT](/-/media/challenger/images/cards/product-cards/transfer-your-assets-to-a-younger-spouses-super-content.jpg?h=228&iar=0&mh=334&mw=550&w=376&hash=396995EC68ACA0A103EB46D548F9D0B7)
Transfer assets to a younger spouse's super
Transferring assets into super for a spouse who is under Age Pension age may help reduce your clients’ assessable assets and increase their Age Pension entitlements.
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The upside of casual or part-time work
Clients who are keen to keep working may earn up to $300 a fortnight and be able to benefit from the Work Bonus test before it counts towards the income test.
![Renovating the home v2 CONTENT](/-/media/challenger/images/cards/product-cards/renovating-the-home-v2-content.jpg?h=228&iar=0&mh=334&mw=550&w=376&hash=D0936A5D9789B050DEF3B265E59A36B8)
Renovating the family home
Renovating the family home could be a way for your clients to reduce their assessable assets and boost their Age Pension.
![Pay down debt CONTENT](/-/media/challenger/images/cards/product-cards/pay-down-debt-v2-content.jpg?h=228&iar=0&mh=334&mw=550&w=376&hash=AF73BB31105A84A834081E48D86DF3B7)
Pay down debt
Using assessable assets to repay credit card debt - or even a home mortgage – may reduce a client’s overall assessable assets.