Super is a long-term investment designed to support you in retirement. Because of this, there are strict rules on when you can access your super.
No matter how far or near retirement is, it’s important to track your super to make sure you’re on the right path to achieving your lifestyle goals.
When you’re in a relationship, managing life and saving for goals is usually a joint effort. So it makes sense to look at your super together to ensure you’re getting the best outcome.
Explore options that illustrate what your treatment may look like that can include your spouse’s super. See the impact different contribution and investment strategies can make.
Explore where your money is going now, and how that might change in retirement to get a better feel for how much you’ll need and how long it will last.
You super works harder for you when it’s all together. Learn more about how to find and combine your other super
Adding even small, extra amounts to your super over time can make a big difference to your lifestyle in retirement.
Understanding how your super is invested and whether that aligns with your strategy is the first step to reaching your retirement goals.
What if you took your own lunch to work or went without that extra cup of coffee? What difference would it make to your retirement? Explore options to make small changes that can really add up in the future.
What type of investor are you – Defensive, Cautious, Confident or Assertive? Answer a few simple questions to get a better understanding of your attitude to risk and how this affects your investor profile.
Try one of our ‘Your retirement years’ learning modules that we provide as part of our Money101 online financial education program that you can take at your own pace, in your own time.
Meet Bernie – after experiencing a sudden and unexpected retirement, Bernie and is wife Helen share their journey into this phase of their life and how they are enjoying their new found freedom.
As you approach retirement, you may be able to access some of your super as part of a transition to retirement strategy. Accessing regular payments from your super (which are tax-free if you’re over age 60) provides options to either:
If you have any questions or would like help to better understand your own personal retirement journey, just get in touch.
You can also book an appointment with one of our in-house financial advisers who can provide easy-to-understand and affordable advice you can trust.