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Franking credits – The quiet engine of Australian retirement income
Franking credits – The quiet engine of Australian retirement income 7 October 2025 Matthew Hughes SOURCE: Empire Financial Group BY: Raymond Pecotic October 6, 2025 (This article was first published in The West Australian, YourMoney, on 6 October 2025) Retirement is meant to be the reward for decades of work and saving. But anyone drawing an income from their super knows the reality – these days every dollar needs to be stretched further. Rising living costs and longer lifespans make reliable cash flow essential. Despite the Reserve bank holding firm on interest rates this month, rates are still likely to trend down over the next year or so, so the hunt for yield is only intensifying. Higher returns often mean higher risk. But there is a way to get a boost on yield by making subtle changes to your portfolio that don’t necessarily mean more risk. That’s where franking credits step in. Why yield matters in retirement Those still in the workforce and contributing to their retirement pot can ride out volatility and reinvest for growth. However, retirees need regular, spendable income. But a portfolio also needs growth to keep ahead of inflation. That’s where a blend of growth assets li
SOURCE: Empire Financial Group BY: Raymond Pecotic October 6, 2025 (This article was first published… Read Article