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What you need to know
Any advice on this website is provided by Resolution Life Australasia Limited ABN 84 079 300 379, AFSL No. 233671 (Resolution Life), and is general advice and does not take into account your objectives, financial situation or needs. Before acting on this advice, you should consider the appropriateness of the advice having regard to your objectives, financial situation and needs, as well as the relevant product disclosure statement and/or policy document, available from Resolution Life at resolutionlife.com.au or by calling 133 731, before making a decision on whether to acquire, or continue to hold, the product.
The Target Market Determinations (TMDs) for our financial products (where applicable) can be found at Target Market Determinations (TMDs). The TMDs describe the key features and attributes of an applicable product that affect whether it is likely to be consistent with the objectives, financial situation and needs of consumers in the target market.
While every effort has been made to ensure the accuracy of the information, it is not guaranteed. Resolution Life do not actively monitor breach of superannuation contribution caps. You should keep track of the contributions made to your account in respect of the caps applicable to you. You should obtain professional advice before acting on the information contained in this communication. Taxation considerations are general and based on present taxation laws and may be subject to change. You should seek independent, professional tax advice before making any decision based on this information. Resolution Life is also not a registered tax (financial) adviser under the Tax Agent Services Act 2009 and you should seek tax advice from a registered tax agent or a registered tax (financial) adviser if you intend to rely on this information to satisfy the liabilities or obligations or claim entitlements that arise, or could arise, under a taxation law.
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Once you’ve worked out the retirement lifestyle you want, it’s time to think about whether your current saving levels will get you there.
If you’re not sure how to do that, you may want to use some of the MoneySmart tools to help with your calculations:
How long should it last?
You don’t know how long you’ll live, so you don’t know whether to spend up big early in retirement and hope that the Age Pension will be enough in later years, or to be more careful with your money, so that it lasts as long as you do.
It’s good to understand that there are generally three stages of retirement, and how you spend your money in each stage can be entirely different:
Next steps
By now you have either confirmed that you are on track or have identified that you may have a gap to fill. The good news is that there are options available to you.
Click here to view our article which addresses the question, “what to do if there is a gap in my retirement fund?”
This article was previously prepared and published by AIA Australia Limited ABN 79 004 837 861 (AIA Australia) prior to Resolution Life’s acquisition of AIA Australia’s Superannuation & Investment life insurance on 1 July 2023.