Retirement Manager™

Welcome to Retirement Manager.

This is a super helpful way to get a clear picture of how much you have to live on in retirement. In less than 15 minutes, you’ll get a retirement plan designed just for you.

Whether you’re close to retirement or already retired, this tool can help you take the next step with confidence.

To get started, you’ll need a few details for yourself and your partner, if you’re in a relationship. Things like your super balance, income sources, savings, investments, debt and personal assets.

First, add your financial details. It’s quick, secure, and helps build a more accurate picture of your retirement outlook. Providing accurate information ensures forecasts, such as those for the Centrelink Age Pension, are as precise as possible.

Next, set your income goal for retirement. This is the total amount you’d like to live on each year, combining income from your super, the Age Pension, and any other sources.

There are four income options to choose from.

Maximised to last is tailored to your situation, using smart modelling to estimate the most sustainable income you can draw with high confidence it’ll last the distance. It’s designed to take the guesswork out of maximising your retirement income.

Like today’s lifestyle is based on your current income, adjusted for any lifestyle changes to your spending through retirement.

Personal income goal allows you to set your own target lifestyle.

Minimum drawdown is the Government’s age-based minimum withdrawals each year for your age.

Whichever option you choose, be sure to factor in your everyday living costs plus anything extra, like hobbies, regular travel, and dining out. You can adjust these as needed to reflect your goals.

Once you’ve entered those details, you can see your Income Confidence Score – a number from 0 to 100 showing how likely your plan can support your chosen income until age 95. A higher score means greater confidence. A lower score may mean you need to adjust your plan in order to meet your income goal through your retirement.

Now, it’s time to fine-tune your plan. You can see the long-term projections of your income and retirement balance. You can also adjust your income, add lump sum contributions, test different retirement investment options, or add one-off goals like travel or renovations to see how they impact your future plans.

Once you’ve finished these steps, you’ll receive your personalised Retirement Plan. It outlines your goals, how likely you are to meet them, with personal advice to help improve your outcomes.

Take time to review your plan before making changes. Let us know if anything doesn’t look right, and check in at least once a year—or when your circumstances change—to stay on track.

And that’s it! Your super helpful way to take the next step on your retirement journey.