Let's save retirement

30% of retirees are spending more than they had planned in retirement.27

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Overspending is not just an issue for younger people. It can be tempting to splurge as soon as you retire on living the good life. And even if you’re careful, you could find that as the cost of living rises, you funds don’t go as far as you’d planned. And if you’re relying on a lump sum, you may find it hard to make it stretch.

Create financial certainty in retirement

Keep budgeting: make sure you maintain a good understanding of what you’re spending versus your income. You can use the ASFA spending guide to give you a good idea of household budgets in retirement.28

Protect your income for life: you can safeguard your income over 10 years, 20 years or for life29. This means you'll have a guaranteed retirement income, so you won't have to worry about living longer than expected.

“The best possible retirement means having real certainty around how much cash you have so you can plan ahead.”

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Get prepared

Here's some other tips to help you take the next step...