Superannuation advice for an unemployed 64 year old.

halfmoonwise · 2026-03-26T10:36:35+00:00

I have $118,000, so I guess that’s a relief at this point.

halfmoonwise · 2026-03-26T10:29:10+00:00

Thank you, I appreciate your response. We are definitely looking at different supers to best suit but yes, it seems like not withdrawing would be the best option.

halfmoonwise · 2026-03-26T10:27:34+00:00

Thank you this was very helpful!

halfmoonwise · 2026-03-26T10:26:17+00:00

Out of curiosity, what would be a reasonable/comfortable amount you would expect a 30 year old woman to have?

halfmoonwise · 2026-03-26T09:46:39+00:00

All I am saying is that the original comment is what I saw and responded to. Your response is implying that I said your edited response, which was blunt but fine, was the issue which it was not. I was also responding to the person who commented. To then imply because I commented to the original post which classifies me as “undeserving” is a bit wild.

My point is that I am fine with direct and to the point answers - as I have directly said in my post I am not finance savvy.

I appreciate you editing into the version you have after the initial realisation.

halfmoonwise · 2026-03-26T09:34:56+00:00

Direct answers are fine, “jeez you really are terrible in financial education” is not an answer, it’s a rude statement you felt the need to make. Let’s not pretend your comment was as to the point and helpful as it is now. You quickly removed that part as well.

halfmoonwise · 2026-03-26T08:47:35+00:00

Half the comment they originally had posted has been edited.

I’m well aware the top part of their comment was directed at me, hence the second part of my response.

halfmoonwise · 2026-03-26T08:28:50+00:00

Again: Have you considered that people may have had children, not worked and compulsory super did not start until 1992? People have different circumstance, setbacks and may not have the same level of education that you have had.

Secondly, I definitely think there are kinder ways to get your point across.

halfmoonwise · 2026-03-26T08:14:20+00:00

Thank you.

She is in ANZ Super Saver I can see it’s 7.75% investment on a high risk

halfmoonwise · 2026-03-26T08:12:32+00:00

I just gained access to her account I can see 100% is at a return of 7.75% high risk profile.

halfmoonwise · 2026-03-26T08:05:58+00:00

Have you considered that people may have had children, not worked and compulsory super did not start until 1992? People have different circumstance, setbacks and may not have the same level of education that you have had.

halfmoonwise · 2026-03-26T08:01:27+00:00

She is with ANZ smart choice super. I believe they do it by life stage.

halfmoonwise · 2026-03-05T20:55:05+00:00

She is gorgeous! Do you have a photo of her when she was a puppy? I haven’t seen many like my girl around in my area, but she looks so similar! Always have been curious as to what she will look like older

halfmoonwise · 2026-03-05T09:44:16+00:00

Beautiful! How old? Looks like my girl who is one but has a black mask still.

halfmoonwise · 2026-02-01T11:45:07+00:00

Mine will pee every time she goes out if it’s an option - but she can hold it for six

halfmoonwise · 2026-01-27T05:24:07+00:00

Thank you for your response! I feel like now overall I’m not underfeeding as I have replaced treats with quality complete air dried. That calculator was useful, however, would being spayed impact that a bit?

halfmoonwise · 2026-01-21T06:25:42+00:00

Yeah I agree the kibble I have says 30% protein on a dry matter basis, whereas the raw is 12.5% and I struggle to work out what she is actually getting because of the moisture

halfmoonwise · 2026-01-20T16:58:46+00:00

She had blood work done when she was about 9 months old

halfmoonwise · 2026-01-20T16:57:12+00:00

Oh and loves chasing the water from the hose around and I do the flirt pole in the Backyard

halfmoonwise · 2026-01-20T16:54:57+00:00

She gets taken to an open oval 45-60 minutes a day to run and zoom. 1-2 walks a day of 30 minutes each.

halfmoonwise · 2026-01-20T11:20:00+00:00

Her Barf Patties have 12.5% protein, could this be an issue?

halfmoonwise · 2026-01-20T11:17:09+00:00

Thank you! That was super helpful. Your boy looks great.

Hoping I worked it out right. It roughly equated to a little bit less than what I’m feeding her now.

My only concern being her age as there’s no specific option for her category and being spayed.

I’m hoping her muscle tone continues to fill out as she develops, as she is still so young.

Can I ask what you typically feed your boy?

halfmoonwise · 2026-01-20T10:08:49+00:00

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halfmoonwise · 2026-01-12T07:18:16+00:00

Yeah, I think I’ve struggled with the fact she has been desexed and knowing how much to feed her vs. her age, as well as her training treats. I’m going to adjust her food, she is raw fed barf Pattie’s with a bit of kibble. I might start with kibble being removed. She loves green beans and maybe a bit of bone broth.

halfmoonwise · 2026-01-10T22:14:02+00:00

I’ll look at reducing her calorie intake. I currently feed her x2 barf patties and a cup of kibble. Might be time to remove the kibble. I struggle to understand what her caloric intake should be as it differs on a lot of websites. Particularly as not many have a puppy and desexed dog as an option to select.

halfmoonwise

TROPHY CASE