Welcome to our special newsletter on how much super you need to retire. Click the links below to learn how much super you need to retire on a particular income amount per year.
- Retiring on $50,000 a year (or $70,000 for a couple)
- Retiring on $60,000 a year (or $84,000 for a couple)
- Retiring on $80,000 a year (or $112,000 for a couple)
- Retiring on $100,000 a year (or $140,000 for a couple)
We also cover how much income you can generate from a particular super balance.
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How to take advantage of the increased transfer balance cap
An increased Transfer Balance Cap creates opportunities to transfer more into the tax-free retirement phase and contribute more to super but beware the fine print!
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How to invest your super in retirement
Choosing your retirement investment mix carefully can help stretch your savings further at a level of risk you’re comfortable with.
Upcoming webinar
2026 year-end superannuation tips and traps
Wednesday 13 May 2026 at 11:00 am AEST
Several superannuation changes take effect on 1 July this year, so ensuring you are in the best position to take advantage of these changes is essential.
In this webinar we will highlight year-end strategies and procedures to achieve the best outcomes from your superannuation this year and prepare for the year ahead.
IN CASE YOU MISSED IT
Watch our previous webinar, Division 296: The new tax on your super savings is now law!
Q&A of the month
Q: I am 66 and considering retiring. My wife is 63 and not working. When it comes to the Assets test for the pension – does my wife’s super balance count as part of the assets test?
A: The superannuation balance of a person under age 67 is not counted in Centrelink’s assets or income tests while it is held in an accumulation account.
If the balance is used to start a pension, it will be assessed.
This means that holding super in the accumulation phase account of a younger spouse can improve the rate of Age Pension paid to their older partner.
Read more about options to use this strategy.
Tip of the month
A good retirement planning calculator is an essential tool to see if your plans are on track and how you can improve your position. Our guide to selecting a calculator can help.
