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In this episode of The Wealth Guide Podcast, host Malissa Vourakis is joined by the Ryker Capital team, Jack Oineza, Ricky Regmi, and Dean Desoukey to tackle one of the biggest questions Australians face: what really happens to your super when you retire?

They unpack the difference between the accumulation and pension phases, the tax advantages of each, and why transitioning into retirement often matters more than the retirement date itself. You’ll discover how contribution caps work (and why exceeding them can trigger a 45% tax bill), the hidden insurance risks of rolling over your super without advice, and how Transition to Retirement (TTR) strategies can help you cut back on work without cutting back your lifestyle.

The team also busts myths about the age pension, explains how your assets and income affect eligibility, and shows how even small, smart moves early in your career can add hundreds of thousands to your retirement balance. Packed with relatable client stories, easy-to-follow analogies, and practical strategies, this episode proves super is far more than a savings account, it’s the engine that powers your future lifestyle.

If you want to make the most of your super, avoid costly mistakes, and create income you can rely on for life, this is the episode for you.

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SHOW NOTES LINKS

https://www.linkedin.com/in/dean-desoukey/

https://www.linkedin.com/in/jackoineza/

https://www.linkedin.com/in/malissa-vourakis-79066a67/

https://www.linkedin.com/in/rajiv-ricky-regmi-cpa-943694213/

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LISTEN TO THE PODCAST

Spotify: https://spoti.fi/3qJL8w4

Apple Podcast: https://apple.co/3QPF3ch

Amazon Music: https://amzn.to/3YMZjgD

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CONTACT US

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Client Enquiries: 1300 179 537

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TIME STAMPS:

00:00 – Intro

00:51 – Practical Insights for Different Life Stages

03:20 – Understanding Super Accumulation and Pension Phases

06:56 – Tax Implications of Super in Accumulation vs Pension Phase

10:18 – Contribution Limits and Avoiding Excess Contribution