This is one of the most common and important retirement questions.
The longevity of your savings depends on several factors, including:
- How much income you draw each year
- Investment returns
- Inflation
- Market volatility
- Life expectancy
Retirement planning involves detailed cashflow modelling to project how your assets may perform under different scenarios, including conservative market assumptions.
While no strategy can eliminate uncertainty, careful planning can significantly reduce the risk of outliving your savings.
Other FAQs
Because Financial Advice is personal and no two situations are the same. Fees vary depending on your goals, financial position and the scope/complexity of advice required. You can see our [...]
The tax treatment of premiums depends on the type of cover and how it is structured. For example: Income protection premiums are often tax deductible when held outside superannuation. Life, [...]
Off-the-plan apartments are often pitched heavily at investors due to the tax* benefits that come with depreciation on new properties and rental guarantees. Tax savings will depend on your individual [...]
Your Notices of Assessment are in your MyGov inbox: for step-by-step instructions on how to find them, visit the Australian Government ATO site.
A Limited Recourse Borrowing Arrangement (LRBA) is a specialised borrowing structure used by eligible SMSFs to acquire certain assets, including qualifying commercial property. Under an LRBA, the lender's security is [...]
Depending on your loan, penalty fees could apply if you’re paying off your current mortgage early. But these may be offset by repayment savings when you switch home loans. We’ll [...]
Our guides to loan types and features will help you learn about the main options available. There are hundreds of different home loans available, so talk to us today.
Insurance is not mandatory, but if your financial plan depends on your income or ability to provide for others, having appropriate protection can reduce financial vulnerability. The purpose of insurance [...]
Financial planning is the process of understanding your current financial position and creating a strategy to help you achieve your short-, medium- and long-term goals. It can cover areas such [...]
Market downturns are a normal part of investing, but they can feel more confronting once you’re drawing income from your portfolio. A well-designed retirement strategy typically includes: An appropriate investment [...]
Employer sick leave may provide short-term support, but it is typically limited in duration. Income protection insurance is designed to provide longer-term income replacement if illness or injury prevents you [...]
If you’re having a hard time saving for your first home, your family can help you with a cash gift to put towards your deposit A gifted deposit home loan [...]
Go to our Repayment Calculator for an estimate. Because there are so many different loan products, some with lower introductory rates, talk to us today about the deals currently available, and we’ll [...]
Yes. Financial planners are required to adhere to strict privacy and confidentiality obligations. Your personal and financial information is handled securely and used only for the purpose of providing advice.
There is no fixed minimum amount required to begin investing. The right starting point depends on your financial position, cash flow, emergency savings and overall goals. Before investing, it’s generally [...]
