The best time to think about retirement is earlier than you think
Retirement might feel far away – but the choices you make today shape the life you get to live later. The good news? You don’t need to have it all figured out. You just need to start.
Where do I start?
Begin by understanding where you are today. Log in to your account, review your super account balance – see what you have and how it’s invested. Then think about the future you want, for example, when you’d like to retire, and how you’d like to live.
The earlier you engage with your super, the more options you’ll have.
When can I retire?
The timing is yours to choose - but knowing when you can access your super and government benefits helps you plan on your own terms.
How much will you need?
Everyone's retirement is different - and that's a good thing - so plan for the life you want. Work out what that life will cost, check if your super is keeping pace, and make any adjustments now. Ready to see where you stand?
Where will the money come from?
Your benefit income may come from a variety of sources - your super, government benefits, investments outside of super, and personal savings. You may also choose to work in retirement.
Tools and support to get you started?
Good advice can make all the difference. It has shown to boost confidence and help deliver better retirement outcomes. We have advice and tools to help you explore options, plan your future and support you through your journey.
5 steps to retire with confidence
If you’re thinking about retiring in the next 5 to 10 years, this webinar is designed to help you take the first steps with confidence.
Laying the foundations
Seize the opportunity to lay the foundations for a great retirement. With years ahead of you to grow and nurture your super, a little planning now will go a long way.
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.
The trustee has appointed Mercer Financial Advice (Australia) Pty Ltd (MFAAPL) ABN 76 153 168 293, Australian Financial Services Licence 411766 to provide financial advice services for members of the Mercer Super Trust. Mercer Financial Advisers are authorised representatives of MFAAPL.
Any information on tax in this document is based on our interpretation of current tax laws which are subject to change. We recommend you obtain your own tax advice when considering the application and impact of tax laws that may affect you. No warranty as to the accuracy or completeness of this information is given and no responsibility is accepted by Mercer or any of its related entities for any loss or damage arising from reliance on the information.