Am I ready to retire?

A practical guide to help you check if you are ready to retire


Are you retirement ready?


We’ll help you understand how to turn your super into a steady income so you can feel confident about your future. And if you want to keep working, we’ll show how that can fit into your new life.

If you haven’t started planning your retirement, you might like to begin here – where do I start?

Will my super go the distance?

Many of us can now expect to spend 20 years or more in retirement, so it’s no surprise many people worry they’ll run out of money. The good news is there are ways to boost your savings, so your money lasts longer.

How do I turn my super into income?

Your super doesn’t stop working when you do. You could set it up to pay you a regular income, take it as a lump sum, or use a mix of both.

Can I return to work after retiring?

Retiring doesn’t mean you have to stop working. You can ease into retirement by working less, working differently, or just taking a break. Discover the ins and outs of working in retirement.

How can I use my super to gradually transition into retirement?


Take a look at our retirement mini-series for the answers to members’ most popular questions about retirement.


Issued by Mercer Superannuation (Australia) Limited (MSAL) ABN 79 004 717 533, Australian Financial Services Licence #235906, the trustee of Mercer Super Trust ABN 19 905 422 981 (‘Mercer Super’).

Any advice provided is of a general nature and does not take into account your objectives, financial situation or needs. Before acting on any advice we recommend you obtain your own financial advice and consider the Product Disclosure Statement and Financial Services Guide available at mercersuper.com.au. The product’s Target Market Determination setting out the class of people for whom the product may be suitable can be found at mercersuper.com.au/tmd.

‘MERCER’ and 'Mercer SmartPath®' are Australian registered trademarks of Mercer (Australia) Pty Ltd ABN 32 005 315 917.