Making sure you have enough for retirement involves careful planning.

Regardless of how many years you have left in the workforce, it’s a good idea to ask yourself, ‘what can I do now to make life better in retirement?’ and ‘when should I start?’

Taking action now may have a positive impact on the lifestyle you have in retirement. This may include assessing how your super is invested versus your tolerance and exposure to risk, or perhaps contributing more to your super.

For some people, contributing extra money into super may not be possible because of existing financial commitments, and some people may feel like this is taking a pay cut, but regularly making some extra contributions may produce a significant difference to their overall retirement benefit.¹

What’s your super forecast?

Are you on track for a comfortable retirement? You’ll find a range of tools, including the Super health check calculator, on our website to help you project your retirement savings and your annual income. But remember, many factors affect the figures, including your retirement age and how much you contribute to super. The Super health check calculator can also help you project the effect of, say, increasing personal contributions, on your final super account balance.¹

It’s all up to you

Your retirement is going to be unique, and it’s important that you make plans and take the steps necessary to ensure you have enough money to fund it. You may find that seeking advice from a financial adviser is helpful, and that the potential benefits of increased returns and tax relief that a financial adviser may provide far outweigh the expense of actually getting the advice. Q Invest² offers competitively priced professional financial advice to QSuper members.

If you’d like to discuss your personal goals and options with a qualified financial adviser, call Q Invest on 1800 643 893 or visit www.qinvest.com.au.