Arthur Writes a Story

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See For more information on page 37 for details. Do you need to think about making extra contributions? If you’re not sure, talk to a financial adviser about your situation and future needs. See Getting information and advice on page 35. If you’re about to retire, you can choose how you want to get your benefit. When you retire most funds will offer you a lump sum, a pension or a mixture of both. Find out how tax and government benefits such as the age pension may affect your decisions. Remember that your money may need to last for 30 years or more after you retire.

Most people underestimate the value of what they own. If you’re looking for home and contents insurance, make sure you insure for the true replacement value. It can help if you keep receipts and take photos of valuable items. • Provide full and accurate information. Make sure you answer all questions correctly. If you don’t, you may have misled the insurer about the risk they’re accepting, and they may be able to refuse or reduce any claim you make. • Understand your contract. Insurance companies need to give you a policy document.

08 8985 0000 Anglicare (Katherine) . 08 8972 1571 Anglicare (Alice Springs) . 08 8952 0377 Queensland Financial Counselling Association of Queensland . 07 3321 3192 South Australia UnitingCare Wesley Adelaide Inc. 08 8202 5180 Tasmania Anglicare Financial Counselling Service . 1800 243 232 Victoria Financial and Consumer Rights Council ................................................ 03 9663 2000 or toll-free for rural Victoria ....................................................................

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