Retirement readiness check
Want to get your super retirement ready? Maximise your super and start your planning by working through our retirement readiness check. To help build a clear picture of your retirement readiness, please answer all of the below questions.

3 key questions to start

You can easily find your current super balance by logging in to your MemberOnline account.

That's great! You can get updates on your super by logging into your MemberOnline account anytime.

You can get a projection of your super balance and income by using the Retirement Income Calculator or by calling us and getting a projection over the phone at no additional cost.

It's great to understand your retirement outlook. You can check how you're tracking by using our Retirement Income Calculator.

There are many factors that go into deciding when you want to finish work - retirement isn't linear for many people. Here's some things to think about.

That's great that you have a goal of when you want to finish working - retirement isn't linear for many people. We can help you make sure you are on track and have a plan in place for when you finish working. Book in a chat with a CareSuper Financial Planner today to get started.

Getting my super retirement ready

Our CareSuper investment options carry different levels of risk depending on their asset mix. Not sure of your current option? Log in to MemberOnline.

Understanding how your super is invested is an important step. You can also receive advice about your super investment over the phone at no additional cost.

There are a number of tax strategies that can help you build a bigger super balance as you near retirement. As part of your membership you can give us a call to talk through your options.

Understanding your options for boosting your super is great. Here's a quick read on some options for boosting your super and saving on tax if you want more information.

Super doesn't automatically form part of your estate so you should consider making a beneficiary nomination.

That's great you have a plan in place. It's a good idea to review your beneficiaries from time to time. You can see who you've nominated by logging in to your MemberOnline account.

Accessing my super and the Age Pension

Most people can access their super when they reach their preservation age. We've put together this handy guide on accessing your super if you need any other information.

We've put together this handy guide on accessing your super if you need any other information.

If you've turned 60 and would like to ease into retirement, you can work less and maintain your income using a Transition to Retirement (TTR) strategy.

You can access your super when you are still working using a Transition to Retirement (TTR) strategy.

Your super doesn't need to be withdrawn as a lump sum when you finish work. There are various ways to pay yourself an income from your super savings that may also save you tax.

Your super doesn't need to be withdrawn as a lump sum when you finish work. There are various ways to pay yourself an income from your super savings that may also save you tax.

(you can lodge your claim three months before you retire)

Understanding the government benefits available to you can be challenging. Comprehensive advice from a CareSuper Financial Planner can help you maximise your entitlements.

If you need any help with maximising your entitlements you can speak with a CareSuper Financial Planner.

My lifestyle in retirement

How much you'll need is personal. We can help start your thinking with some industry guidelines on how much you may need in retirement. You can also speak to a CareSuper Financial Planner to work out your personal budget in retirement.

It's great to have an understanding of your income needs. If you'd like to learn more about how much a comfortable retirement will cost you can read our article on the weekly cost of retirement.

A strong social network in retirement could make your life more satisfying. Find out why emotional wellbeing is as important as financial freedom when you finish work.

A strong social network in retirement could make your life more satisfying. Find out why emotional wellbeing is as important as financial freedom when you finish work.

Making a downsizer contribution can save you tax and help increase your retirement savings, but its important to consider all the implications to make sure it's right for you.

Understanding where you will live is a big step to have taken. You can read more about downsizing contributions here.

We're here to help guide you and prepare your plan so you can live your best life in retirement. You can get advice about your super account at no additional cost. If you need more help you can get more comprehensive advice to help you design your future. Request a call to hear your options. It's all obligation free.

If you haven't already spoken to a CareSuper Financial Planner you can get advice about your super account at no additional cost. It's a great service that we hope you are taking advantage of in helping you plan for your future.

Please note that all fields marked with an asterisk (*) are mandatory.

This website is maintained by the trustee of CareSuper, CARE Super Pty Ltd, ABN 91 006 670 060, AFSL 235226, RSE L0000956.

The information in this checklist is provided for general information only and has been prepared without taking into account your particular financial needs, circumstances and objectives. You should consider whether the information is appropriate to your investment objectives, financial situation or particular needs. Before making an investment decision you may want to consult your own professional financial adviser.

FV2023.1.27 / AV2.21