How much superannuation do I need for retirement?

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Something we hear from clients (and non-clients) all the time. To get an understanding of what your individual retirement lifestyle might look like, first ask yourself what you want to do in retirement, what are your goals and their dreams. Obviously regular income needs are a major factor to consider, but what about the other “lifestyle” goals you may have for retirement? How many times do you want an overseas trip, do you want a holiday house in Byron Bay or are you looking to play golf 4 days a week?
Talking about what you want to achieve helps you to work out where you need to aim to achieve your goals.

Generally, the earlier you can start to plan for retirement the better your choices (investment, strategies to implement) and the better the results when retirement eventually comes.
He said while people at different ages and stages of life would be facing different pressures on their personal or family cash flow at any point in time – simple, low cost, or no cost, actions such as consolidating super accounts into one fund could save money on annual fees and grow the size of the retirement benefit available when the time came.

So regardless of your age, if you’re asking yourself the question “How much super do I need to retire?” now is the time to start visualising what retirement looks like for you.
Your financial adviser will be able to help guide you on your way to the retirement lifestyle you want.


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Shane Gourley

Director / Financial Planner
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Newbrocom Pty Ltd (ABN 39 152 026 330) trading as Momentum Financial Planning is an authorised representative of Charter Financial Planning Limited, Australian Financial Services Licensee Licence number 234665.



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