Friends With Money #102: The sweet spot

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There's a magic number in superannuation that allows retirees to make the most of their own money and the age pension. It's called the super sweet spot.

This week on the Friends With Money podcast, Money's Tom Watson is joined by journalist Susan Hely to discuss how the sweet spot works.

  • Why should pre-retirees and retirees know about it?
  • What is the sweet spot for singles and couples?
  • How does the taper trap work?
  • What are the benefits of the aged pension?
  • Is it still worth having a larger super balance?

friends with money podcast 102 the sweet spot

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Tom Watson is a senior journalist at Money magazine, and one of the hosts of the Friends With Money podcast. He's previously worked as a journalist covering everything from property and consumer banking to financial technology. Tom has a Bachelor of Communication (Journalism) from the University of Technology, Sydney.

Susan has been a finance journalist for more than 30 years, beginning at the Australian Financial Review before moving to the Sydney Morning Herald. She edited a superannuation magazine, Superfunds, for the Association of Superannuation Funds of Australia, and writes regularly on superannuation and managed funds. She's also author of the best-selling book Women and Money.
Frank Modrich
June 14, 2023 2.33pm


Do you provide a service as an advisor and what would your fee be

Money magazine
June 14, 2023 2.47pm

Hi Frank,

The Money team isn't qualified to provide financial advice.

You can find a licensed financial adviser in your area through Money's sister website, SelectAdviser:

- Money team

Trish Baldwin
July 3, 2023 8.22pm

I wish there was more advice, no not more, ANY advice, or articles, or guidance for the individual in a couple who retires at a different timeto their partner. Whilst this would surely be the majority of Australians, all the scenarios assume couples retire at the exact same time. All our friends and ourselves get really frustrated about this and it is impossible to navigate with no information that suits. Any plans to do articles on this real life scenario would be extremely well received!

Nick Allanby
July 21, 2023 11.12am

Yes, I absolutely agree with Trish. Not sure why the guidance always assumes couples retire at the same time and little focus on this subject...great magazine btw..cheers