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Retirement Wealth Specialists
Advice across finance and investing, SMSFs, portfolio construction, direct share and managed funds.
Your pension dropped. Your bank balance didn't. Here's the rule nobody told you about.
Most retirees had no idea the deeming rate even existed, until it quietly trimmed their payment in March.
Centrelink assumes your money earns a set return whether it actually does or not. That assumption is the deeming rate, and on 20 March 2026 it went up for the first time in years.
Noah Langerak explains in The Golden Times exactly what happened, why your pension may have moved without warning, and what you can do about it now:
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