Home / Retirement planning / Getting started / Your home: The foundation of retirement planning

Your home: The foundation of retirement planning

Retirement planning often begins and ends with a discussion about how much super you have and whether it’s enough. While super is important, it’s not the only source of income and support in retirement.

If you’re reading this at home, the missing piece of your retirement income conundrum could be closer than you think. You’re sitting in it.

The three pillars

Australia’s retirement system is underpinned by three potential sources of income, or three pillars:

  • A means-tested Age Pension
  • Compulsory superannuation
  • Voluntary savings inside and outside super.

However, the government’s 2020 Retirement Income Review explicitly included home ownership as part of the third pillar. That is, a form of savings.

Join SuperGuide to continue

Plan your retirement (without a financial adviser)

Join thousands of Australians making their retirement goals a reality
  • Step-by-step guides help you plan and take action
  • Simple changes can make a big difference to your super balance
  • Calculators, case studies and Q&As give you greater confidence
  • Make sure your super is performing and lasts longer

Find out more

About the author

Related topics,

IMPORTANT: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions. Comments provided by readers that may include information relating to tax, superannuation or other rules cannot be relied upon as advice. SuperGuide does not verify the information provided within comments from readers. Learn more

© Copyright SuperGuide 2008-25. Copyright for this guide belongs to SuperGuide Pty Ltd, and cannot be reproduced without express and specific consent. Learn more

Leave a Reply