Q&A - Choosing a pension account, topping up in retirement, and offset versus debt recycling

This episode answers five detailed listener questions spanning retirement income, structure, and the offset-versus-invest decision. A listener retiring at 60 with $1.3m compares the Vanguard SpendSmart allocated pension against his current fund on fees, and asks whether a growth or balanced diversified option suits an account that will be his sole income stream. A couple in pension phase, about to max their transfer balance caps with a further $300k left over in accumulation, ask ...