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Ways to make your savings go the distance
It's likely your superannuation will be a key source of income once you stop working, so it's important to put a plan in place now, to help make sure you have enough money later.
If you're already enjoying life after work, or plan on retiring in the next few years, it's a good idea to assess your current situation to estimate how long your retirement savings will last. Use our Retirement Income calculator to give yourself an idea of whether you are on track.
Calculate how long your super will last.
Once you've assessed your current financial situation, there are some steps you can take to make your retirement savings last longer.
If you haven't done so already, take some time to get your superannuation savings in order. Log in to Member Online to review your QSuper account details.
Prepare a budget for your retirement to make sure you don't spend too much too soon. Australians are living longer than ever before, so depending on when you retire, you could rely on your super savings for up to 20 years.2
Keep in mind the way you spend money at the beginning of your retirement is likely to be very different from how you spend it later on. Initially, you might want to use more of your money on travelling or sporting pursuits – but in late-retirement you’re likely to need to spend more on medical and health-related expenses.
Use our Budget Planner Calculator to help take control of your finances. If you need help, a financial adviser from QInvest can provide professional guidance to help you achieve what's important to you.3
How you access your superannuation once you have reached your preservation age and retired can also have an impact on how long your super will last. Here are your options:
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1. Before consolidating, you should check what fees your other super fund charges and if you will lose any benefits such as insurance or pension options.
2. Based on an Australian retiring at age 65 and living until age 85. Life expectancy based on the information derived from the medium mortality rate assumptions used by the Australian Bureau of Statistics in "3222.0 Population Projections, 2017 (base) to 2066" released 22/11/2018.
3. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is a separate legal entity responsible for the financial services it provides. Advice fees may apply. Refer to the Financial Services Guide for more information.