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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.