Retirement

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With most Australians now living much longer and stronger we will all probably spend more time after full-time work, getting a new life. Retirement used to be the stage of life where you gave up work and looked forward to life full of Saturdays, but now a successful retirement takes a lot more planning and skill to get the timing right.

Retirement should be seen as the opportunity to seek new challenges, to try something different in the workforce or realise some of the dreams you’ve held throughout your working life. Finding your way through retirement requires planning for your whole future, not just focusing on your finances.

Planning not only offers the best chance to achieve your goals, it also helps you work out what the type of retirement you don’t want and can ensure you avoid the common mistakes that can see all your years of hard work simply wasted. We all value our independence very highly and the best way to maintain independence is through good health and a firm financial footing which will deliver maximum choice as we age.

The Retirement section of YourLifeChoices website has been organised into seven main categories to help you plan and enjoy the next stage of life. Critical points to consider when retirement planning are timing, your emotional readiness, how much (money) is enough and maximising your nest egg with an effective transition to retirement.

And don’t forget that every quarter we bring together the best brains in the business to answer your questions on how your super can work best for you, making the most of your income in retirement, your rights in retirement, the latest government, health and technology news, relationship dilemmas and so much more in our Retirement Update. 

Timing your retirement
Ensuring the optimal timing of your retirement right is the first step, so how do you achieve this? 

 

Retirement planning
Retirement planning is often considered in a purely financial terms, but there’s so much more to consider than just money.  

 

How much is enough?
With people living longer on average in retirement, it’s understandable that running out of money is a major concern. So how much do you need to fund retirement? 

 

Making the transition to retirement
Very few people go from working full time to full-time retirement, so what can you do to enjoy a successful transition? 

 

Retirement income
There are several ways to secure an income in retirement, so here's a plain English summary of the main options.

 

Living in retirement
Options for living in retirement and how your home can help fund your retirement lifestyle are varied, so which choices do you need to consider? 

 

Resources
Access our many retirement resources, including calculators, checklists, FAQs and quarterly Retirement Affordability Index. 


Do you know if you qualify for an Age Pension? Find out with our RetirePlanner tool.

Surprising reality of retirement

Surprising reality of retirement

Surprising reality of retirement

Surprising things about retirement that no one tells you about before you retire.

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Investment properties and pension

Investment properties and pension

Investment properties and pension

David is suffering MS, but is worried he won’t be able to get the disability ...

Noel on all matters retirement

Noel on all matters retirement

Noel on all matters retirement

Your queries answered: investment, super, the lot.

Your loss is also your gain

Your loss is also your gain

Your loss is also your gain

Six things you no longer need in retirement that will save you money.

Move to increase economic security

Move to increase economic security

Move to increase economic security

Women fleeing domestic violence will be granted early access to their super.

Retirement slipping from our grasp

Retirement slipping from our grasp

Retirement slipping from our grasp

A new study reveals Australians are less confident they will be able to retire comfortably.

Is retirement paradise or hell?

Is retirement paradise or hell?

Is retirement paradise or hell?

Most retirees are loving life, but survey finds some are doing it tough.

Timing Your Retirement

Do you have retirement concerns?

Most retirees are concerned that their savings will not last in retirement.

Ready for retirement?

Retiring overseas: will it work?

Look before you leap: what you must know before retiring overseas.

The pros and cons

Boomers would rather retire early

Baby boomer men would rather retire early than take on part-time work.

Disturbing trend

Retirement Planning

Retirement slipping from our grasp

A new study reveals Australians are less confident they will be able to retire comfortably.

Pressure point

Prepared for retirement surprises?

Do you have an emergency fund to deal with surprise situations?

Friday Flash Poll

Positive attitude key to retirement

YourLifeChoices members believe that a positive attitude is vital to retirement.

Stay positive!

How much is enough?

Retirement slipping from our grasp

A new study reveals Australians are less confident they will be able to retire comfortably.

Pressure point

How to tap into your super savings

You may be able to draw an income from your superannuation before you retire.

Take this into account

Out of touch with reality

Friday Flash Poll findings reveal that the top end is out of touch with retirement.

Get the facts straight

Making the transition to retirement

Surprising reality of retirement

Surprising things about retirement that no one tells you about before you retire.

Retirement answers

Positive attitude key to retirement

YourLifeChoices members believe that a positive attitude is vital to retirement.

Stay positive!

Reaching preservation age

Preservation age is the first retirement milestone but what does it mean?

What should you do?

Retirement Income

Super set to post a shocker

Super members are at risk of their first annual loss since 2011.

Christmas woe

Plan to simplify retirement

The Federal Government wants to make it easier for people to understand retirement.

Making it easier

Retirement income top up extended

This is how you can access equity in your home to boost your spending clout.

Bank on your home

Living in retirement

Where to retire for good health

Some cities are better than others for retirees’ health.

Wellbeing destinations

Noel on all matters retirement

Your queries answered: investment, super, the lot.

Retirement matters

Out of touch with reality

Friday Flash Poll findings reveal that the top end is out of touch with retirement.

Get the facts straight

Resources

‘Boom’ your way to happiness

Positive ageing expert reveals the simple secrets to a happy life.

Ancient wisdom

Annuity vs account-based pension

The key differences between two retirement incomes.

Which income stream?

How much are you spending?

The most current and relevant expenditure guidelines available for Australian retirees.

Plan your spending

News

Cost rises hit Affluents hardest

Transport and recreation greatest burden on tribes.

Where costs dropped

Costs set to test ‘Constrained’

Per Capita’s Myfan Jordan predicts the pressure points for the ‘Constrained’ tribes.

Concern for ‘Constrained’

Rent relief for ‘Cash-Strapped’?

Without rent assistance, poverty will continue to plague ‘Cash-Strapped’ tribes.

Pension poverty

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