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 Member Online account.

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

You can get a projection of your super balance and income by using the Retirement Lifestyle 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 Lifestyle 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. We can help you make sure you are on track. Book in a chat with a CareSuper Financial Adviser 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 Member Online.

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 growing your super is great. Here's a quick read on boosting your super and saving on tax.

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 Member Online account.

Accessing my super and the Age Pension

Here's a guide on accessing your super.

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.

You can find out about the options for paying yourself an income from your super that may also save you on tax when you finish working.

(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, use our Compare my spend tool to see what people over 60 in your area spent last year.

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.

Advice is provided by one of our financial planners who are Authorised Representatives of Industry Funds Services Limited (IFS). IFS is responsible for any advice given to you by its Authorised Representatives. Industry Fund Services Limited ABN 54 007 016 195 AFSL 232514.

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.

FVNC24.11.03 / AV2.21