Retirement Planning

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Investors are being urged to be conservative about spending, reduce debt and be careful of assets that are supported by government spending, as they look to adjust their wealth strategies during the first recession in nearly three decades.

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In a conversation with nestegg, Minnik Chartered Accountants director and wealth educator Leah Oliver has advised investors to adjust their spending habits during the market slowdown.

“People need to be taking less risks and being more conservative in the current economic environment. Everything in moderation. Not overextending. Be very mindful of spending on unnecessary things.  Review your living costs and shave where you can,” Ms Oliver said. 

During this time, the wealth educator noted impacts on income streams may need some careful thought around potential backup income, in the event that existing income is lost or otherwise affected by the pandemic.

She also told Australians who are managing their finances to be careful about adding to their debt.

“Now is not the time to undertake debt funding, it is more appropriate to be minimising or eliminating debt as we move through this downturn. Aim to remove all forms of debt in the way of credit cards, Afterpay and vehicle finance to whatever extent possible. Positive cash flow and surplus are required; these facilities lead to a deficit,” she said.

“We recommend using debt only to fund assets that go up in value, i.e. appreciate. Use debt to ‘step up’ into investments, and then smash it down, fast-track. Refer to your personal accounting file and plan the number of years to become debt-free on each portfolio asset.” 

Ms Oliver also advised investors to be careful in the current landscape, noting that investments that look sound might actually be held up due to government funding.

“With interest rates low and government stimulus measures still in place, the economic problems are somewhat ‘masked’ and the property market is showing resilience at least for now. It is predicted that there will be market instability in this area within the coming year,” the wealth educator explained.  

“There are specific considerations for people holding shares and commercial property in their wealth portfolios. COVID has brought new changes, leaving office blocks empty and demand for commercial investments falling.”

Further, Ms Oliver told investors that it is important to assess your own personal circumstances, considering what you have and what your strategy is to move through the recession and keep your assets intact the best you can.  

“Do you need to sell, hold, lease, move debt? Do you need backup income streams? Can you divert savings in less travel and transport costs to your mortgage or your wealth portfolio?

“There is a lot to consider. If you are in tune with your financial position, [you] are reading your numbers and consistently researching your options, plus working with your adviser, you are being proactive with your wealth, and this will ultimately give you peace of mind,” Ms Oliver concluded.

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Investors are being urged to be conservative about spending, reduce debt and be careful of assets that are supported by government spending, as they look to adjust their wealth strategies during the first recession in nearly three decades.

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Older Australians face the dilemma of not being confident about their retirement outcomes, but are among the wealthiest retirees in the world due to a large proportion of their wealth being tied up in the family home, new research has revealed.

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Results collated by Household Capital show that only one in four Australians is very confident they have sufficient funding to live well in retirement.

The survey revealed that many Australians who did not touch their superannuation during the COVID-19 early access to super scheme are still unlikely to have a large enough portion of their wealth in superannuation to comfortably retire.

However, much of the financial strain felt by older Australians is due to wanting to live in the family home, with 73 per cent of respondents saying they did not want to downsize.

Dr Joshua Funder, chief executive officer of Household Capital, said the Household Capital Retirement Outcomes survey clearly shows that the family home is not just the preferred retirement housing, but also by far the biggest store of retirement savings.

“Older Australians are among the wealthiest in the world,” Dr Funder said.

“They have been great investors and savers, diligently accumulating capital in their home. And almost everyone is aware of the role home equity can play in helping to fund their retirement.” 

The survey showed the median home value is 4.5 times the value of their superannuation balance (with other assets making up only 3 percent of their wealth).

City dwelling retirees hold an even greater proportion of their wealth in their home property; metropolitan areas showed a higher variance, and Sydney residents have homes which are 6.2 times their superannuation balance. 

In total, 82 per cent of the average person’s wealth is held in capital values of their home rather than in a superannuation fund or liquid assets.

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Older Australians face the dilemma of not being confident about their retirement outcomes, but are among the wealthiest retirees in the world due to a large proportion of their wealth being tied up in the family home, new research has revealed.

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The Association of Independent Retirees has slammed last night’s federal budget release, accusing the government of overlooking older Australians in its post-COVID-19 recovery plans.

Write comment (3 Comments) " ["fulltext"]=> string(3106) "

AIR president Wayne Strandquist said retirees who partly or fully fund their own retirement “have suffered significant income reductions as a result of the adverse economic impact of COVID-19.

With these retirees relying on income from investments in the sharemarket, property and fixed interest, either through superannuation or private investment for their living expenses, he said “they have been overlooked by the government as billions of dollars have been allocated to programs to stimulate employment and the economy”.

Mr Strandquist argued that “retirees are not requesting special consideration but are seeking fairness in government support along with the rest of the community while COVID-19 continues to seriously impact the economy”.

“Since 1992 when compulsory superannuation was introduced, retirees have been encouraged to accept the risk of funding their own retirement to reduce government outlays on the age pension,” Mr Strandquist noted.

He outlined how a large percentage of Australia’s $3,000 billion superannuation portfolios is invested in companies that are themselves struggling to survive the impact of COVID-19, which is forcing reduced or nil dividend payments.

This “is causing considerable reductions in earnings for retirees”, Mr Strandquist added.
 
Compounding the income loss is APRA’s recent guidance to banks to cut dividends to offset potential defaults in mortgages held by the banks.

“With retirees traditionally having significant investments in bank shares this guidance by APRA means that retirees have been unfairly called upon to forgo dividend income to support bank mortgage defaults,” Mr Strandquist considered.
 
The president acknowledged that retirees generally seek a conservative investment portfolio with a reasonable allocation to fixed interest investments.

But with official interest rates near zero per cent, “retirees are now forced to consider riskier investments and draw down increasing amounts of their capital to fund their retirement”.
 
“The impact of COVID-19 on the economy has been unprecedented and well beyond the capacity of retirees to bear all the downside risk that has occurred,” said Mr Strandquist.

AIR is therefore seeking the support of the government to make available a range of support measures “to assist retirees to come though the COVID-19 crisis and continue to fund their own retirement”.  
 
Mr Strandquist has suggested the provision of offset assistance, the issuing of government-backed infrastructure bonds for retirees, a reduction of the deeming rate, and reducing the age pension asset and income test taper rate as some of the ways self-funded retirees can be better supported.

AIR is also calling for an introduction to continuous Centrelink valuation of assets for deeming and threshold purposes, more super drawdown flexibility for retirees over the age of 75 and an increase to the threshold for receiving the CSHC card.

 

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The Association of Independent Retirees has slammed last night’s federal budget release, accusing the government of overlooking older Australians in its post-COVID-19 recovery plans.

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Working backwards is one of the most effective ways for individuals to set financial goals that actually work, according to a finance director.

Write comment (0 Comments) " ["fulltext"]=> string(2291) "

On a recent episode of The nestegg Podcast, Reventon’s Billie Christofi said that especially when planning for retirement, “we’ve got to be realistic about how much money we’re going to need”.

“If we choose to retire, we need financial freedom. What does that look like?”

Reinforcing the importance of goal-setting for planning purposes, Ms Christofi said that when setting such goals and expectations “it’s important to really work backwards. To really look at where you see yourself [in retirement].”

Acknowledging that it “sounds like a really faraway goal”, especially for young people, the finance director explained that using the technique “helps you really set up a good structure with time frames of how you are going to achieve those investments”.

“You’ll know if you’re keeping on track or if you’re falling behind,” she stated.

She said it’s especially important to consider as the life expectancy of Australians continues to increase.

But how can we plan so far ahead, when we don’t actually know what our lifespan could look like?

According to Ms Christofi, this is where the importance of a “good buffer” comes into play.

“The banks do that with their monitoring – when they’re assessing you, they’re going to put a buffer in place, just to account for increases in interest rates of if your financial situation changes.”

“We need to really do that for ourselves as well,” she explained.

It’s “making sure you’re prepared and ready” for whatever life expectations you have, whether that be family holidays or having a child.

Ms Christofi believes “it’s really important that we are prepared because everyone’s life experience is different and different life phases have different expenses”.

“We need to always be prepared for that – as long as you do have that, and you’re always putting savings as a priority, then you’ve got that buffer in place.”

From her perspective, many Australians get into the habit of spending, then saving what’s left.

“If you actually put savings first and then spend what’s left, you’ll always put yourself first,” she offered.  

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Working backwards is one of the most effective ways for individuals to set financial goals that actually work, according to a finance director.

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The national economy, the value of investments and the ability to manage long-term finances are top of mind of self-funded retirees reeling from the effects of a worldwide economic slump.

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New research from National Seniors Australia (NSA) has revealed that financial concerns are weighing heavily on the minds of self-funded retirees, with emotional themes including feeling of invisibility, vulnerability, insecurity, worry and fear all registered as retiree responses.

In a survey of more than 500 self-funded retirees, the research showed more than three-quarters of the demographic (77 per cent) have concerns about the value of their investments, while 57 per cent have expressed concern about their ability to manage money long-term.

It pales in comparison to the number who expressed worry about the nation’s economy – with 86 per cent indicating that as a concern for self-funded retirees.

“These issues clearly underpin the concerns surrounding stability of retirement incomes based on accumulated funds and assets,” the report read.

Even those older Australians who had stable circumstances prior to the pandemic “are now exhibiting major fears”, NSA highlighted.

And these fears are, unfortunately well placed, with the highlighting of a number of negative financial trends, including: “The collapse and prolonged instability of the stock market; negative to zero returns on Super Guarantee (SG) balances; savings interest rates tracking downwards with the cash rate of 0.25 per cent; cuts to bank dividend; superannuation drawdowns; increased unemployment and even less job opportunities for older workers; slowing or cessation of business income, decreasing home ownership and loss of rental income; and disproportionately high deeming rates.”

As a result, older Australians are exhibiting lower and less stable income, which NSA says is likely to continue for as long as the national deficit is growing and financial and stock markets remain unstable.  

It means “self-funded retirees found themselves among groups impacted by COVID like small-business owners and casual workers, but with less time and capacity to improve their circumstances in the future”.

It argued that the distress that is being felt by Australians “who aspire to be independent of government support must be acknowledged and attended to”. 

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The national economy, the value of investments and the ability to manage long-term finances are top of mind of self-funded retirees reeling from the effects of a worldwide economic slump.

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There’s a new way for retirees to top up their super through the downsizer contribution without having to move out of their home – and it’s got the approval of the ATO.

Write comment (1 Comment) " ["fulltext"]=> string(3829) "

The Australian Taxation Office (ATO) has confirmed that a part disposal of a home can work with the “downsizer” contribution, meaning SMSF retirees and regular retirees can simultaneously top up their superannuation savings and remain in their place of residence.

DomaCom Ltd shared the news in an ASX announcement, acknowledging that the ability to contribute the proceeds of downsizing part of a home into superannuation was one of several measures to improve housing affordability outlined in the 2017-18 budget.

New guidance from the ATO has confirmed this position, which is applicable to eligible individuals over the age of 65.

“Prior to this ATO confirmation, it was generally considered that a person had to sell or dispose their entire interest in their home to be eligible to make a downsizer contribution,” DomaCom’s statement outlined.

“However, the ATO confirmation on a part disposal now means that SMSF retirees can sell a part interest in their home and make a downsizer contribution, therefore also allowing them to stay in their home with DomaCom’s senior equity release.”

Benefits of the downsizer contribution include that there is no upper age limit or contributions caps on the making of such contributions, so they can still be made when a member’s balance exceeds $1.6 million, up to the value of $300,000 for the complete or partial sale.

While residential properties can’t be sold to an SMSF, a part interest of a home is able to be sold to DomaCom’s senior equity release platform, which the company said then provides cash to the member that they are eligible to contribute to any SMSF or super fund of their choice.

DomaCom is the only fractional equity release product that complies with the downsizer legislation, according to CEO Arthur Naoumidis, who considers the ATO approval as a boon for retirees.

“The ability for retirees to help themselves by modifying their personal balance sheets and moving some of their financial resources tied up in their home to their super will enable them to enjoy a better retirement,” he commented.

In particular, Mr Naoumidis said the confirmation would be particularly beneficial for self-funded retirees who are struggling to live on their investment income.

“None of the government’s pandemic measures such as JobKeeper, JobSeeker or HomeBuilder help this cohort, so this ATO ruling provides an important method for retirees to help themselves,” he commented.

The CEO explained how the slashing of dividends has resulted in a large number of self-funded retirees struggling to live on the income generated by the investments.

“This amendment will allow them to top up their super by selling a part of their house, which will increase the income they receive.”

“The key strategy is for retirees to rebalance their personal balance sheet so that more of their assets are in income-producing investments. This is achieved by selling a fraction of their house and then using the proceeds to top up their superannuation fund, which leaves the retiree with the same net worth,” he concluded.

Note: The ATO notes that the downsizer scheme is only able to be accessed once by an individual.

This means that if they are eligible, and sell only part of their ownership interest in their home, that person cannot make any further downsizer contributions if they subsequently sell off any further part of their ownership interest.

The full list of eligibility information regarding downsizer contributions is available on the ATO's website, here. 

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There’s a new way for retirees to top up their super through the downsizer contribution without having to move out of their home – and it’s got the approval of the ATO.

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string(19) "2020-07-08 05:42:04" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5383 (3) { ["data":protected]=> object(stdClass)#5386 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5385 (3) { ["data":protected]=> object(stdClass)#5388 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(18) "Second article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [9]=> object(stdClass)#5634 (32) { ["id"]=> string(1) "9" ["title"]=> string(17) "Third article URL" ["name"]=> string(17) "third-article-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-07-08 05:42:42" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "0" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5387 (3) { ["data":protected]=> object(stdClass)#5390 (1) { ["relative"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5389 (3) { ["data":protected]=> object(stdClass)#5392 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(3) "url" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "3" ["label"]=> string(17) "Third article URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(16) "Related Articles" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [4]=> object(stdClass)#5631 (32) { ["id"]=> string(1) "4" ["title"]=> string(9) "Video URL" ["name"]=> string(9) "video-url" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-19 05:54:21" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "1" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5391 (3) { ["data":protected]=> object(stdClass)#5394 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5393 (3) { ["data":protected]=> object(stdClass)#5396 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(9) "Video URL" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [6]=> object(stdClass)#5632 (32) { ["id"]=> string(1) "6" ["title"]=> string(33) "Image Caption / Video description" ["name"]=> string(31) "image-caption-video-description" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 16:29:55" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "2" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5395 (3) { ["data":protected]=> object(stdClass)#5398 (2) { ["filter"]=> string(0) "" ["maxlength"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5397 (3) { ["data":protected]=> object(stdClass)#5400 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(4) "text" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(33) "Image Caption / Video description" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [3]=> object(stdClass)#5627 (32) { ["id"]=> string(1) "3" ["title"]=> string(6) "Status" ["name"]=> string(6) "status" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:45:26" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "3" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5399 (3) { ["data":protected]=> object(stdClass)#5405 (1) { ["options"]=> object(stdClass)#5403 (2) { ["options0"]=> object(stdClass)#5402 (2) { ["name"]=> string(8) "Inactive" ["value"]=> string(1) "0" } ["options1"]=> object(stdClass)#5404 (2) { ["name"]=> string(6) "Active" ["value"]=> string(1) "1" } } } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5401 (3) { ["data":protected]=> object(stdClass)#5407 (10) { ["hint"]=> string(0) "" ["class"]=> string(9) "btn-group" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(5) "radio" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(6) "Status" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [5]=> object(stdClass)#5630 (32) { ["id"]=> string(1) "5" ["title"]=> string(22) " Essential information" ["name"]=> string(21) "essential-information" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-25 06:10:20" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "4" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5406 (3) { ["data":protected]=> object(stdClass)#5409 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5408 (3) { ["data":protected]=> object(stdClass)#5411 (10) { ["hint"]=> string(0) "" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(0) "" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(22) " Essential information" ["description"]=> string(35) "3 points that summarize the article" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } [2]=> object(stdClass)#5640 (32) { ["id"]=> string(1) "2" ["title"]=> string(14) "Embedded Video" ["name"]=> string(14) "embedded-video" ["checked_out"]=> string(1) "0" ["checked_out_time"]=> string(19) "0000-00-00 00:00:00" ["note"]=> string(0) "" ["state"]=> string(1) "1" ["access"]=> string(1) "1" ["created_time"]=> string(19) "2020-06-20 01:43:32" ["created_user_id"]=> string(4) "2351" ["ordering"]=> string(1) "5" ["language"]=> string(1) "*" ["fieldparams"]=> object(Joomla\Registry\Registry)#5410 (3) { ["data":protected]=> object(stdClass)#5413 (4) { ["buttons"]=> string(0) "" ["width"]=> string(0) "" ["height"]=> string(0) "" ["filter"]=> string(0) "" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["params"]=> object(Joomla\Registry\Registry)#5412 (3) { ["data":protected]=> object(stdClass)#5415 (10) { ["hint"]=> string(29) "Paste your embedded code here" ["class"]=> string(0) "" ["label_class"]=> string(0) "" ["show_on"]=> string(1) "2" ["render_class"]=> string(0) "" ["showlabel"]=> string(1) "1" ["label_render_class"]=> string(0) "" ["display"]=> string(1) "2" ["layout"]=> string(0) "" ["display_readonly"]=> string(1) "2" } ["initialized":protected]=> bool(true) ["separator"]=> string(1) "." } ["type"]=> string(6) "editor" ["default_value"]=> string(0) "" ["context"]=> string(19) "com_content.article" ["group_id"]=> string(1) "2" ["label"]=> string(14) "Embedded Video" ["description"]=> string(0) "" ["required"]=> string(1) "0" ["language_title"]=> NULL ["language_image"]=> NULL ["editor"]=> NULL ["access_level"]=> string(6) "Public" ["author_name"]=> string(18) "Jeremiah Sebastian" ["group_title"]=> string(22) "Summary points + video" ["group_access"]=> string(1) "1" ["group_state"]=> string(1) "1" ["group_note"]=> string(0) "" ["value"]=> string(0) "" ["rawvalue"]=> string(0) "" } } ["link"]=> string(69) "/retirement/planning/boost-your-super-in-the-comfort-of-your-own-home" ["image"]=> string(48) "images/article-826x550/old-lady-gardening-ne.jpg" ["image_alt"]=> string(48) "Boost your super in the comfort of your own home" } }