Most Australian Retirees Don’t Realise This Simple Asset Strategy Protects Age Pension Payments.

Many Australian retirees don’t realise that a simple mistake in how they structure their assets can directly affect their Age Pension payments.

Under Australia’s Centrelink system, your pension is tested using both the Assets Test and the Income Test. What many people don’t understand is that the way your money is structured after a sale—such as selling an investment property or moving funds into cash—can completely change how Centrelink assesses your situation.

In some cases, retirees with the same total wealth can end up with very different pension outcomes simply because their assets are classified differently under the rules.

In this video, we break down how the Australian Age Pension system works in 2026, including:

How the Assets Test thresholds apply to homeowners and couples
Why financial assets are treated differently from property
How deeming rules can reduce your pension even without extra income
Why timing and structure of asset sales matters
Common mistakes retirees make when selling investment properties
How Centrelink assesses superannuation depending on age

Understanding these rules is important for anyone approaching retirement or already receiving the Age Pension. A small planning decision can sometimes make the difference between keeping a part pension or losing it entirely.

This content is general information only and not personal financial advice. For specific guidance, always speak with a registered financial adviser or contact Services Australia’s Financial Information Service (FIS).

📞 Centrelink Financial Information Service: 132 300

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Видео Most Australian Retirees Don’t Realise This Simple Asset Strategy Protects Age Pension Payments. канала John Economic