retirement contact us

how long will my money last?

 
 
With so much focus on reaching retirement, many don’t consider how long it needs to last.

There are a few factors to consider which will vary person to person.

investment strategy

With such a long time horizon, retirees should still consider their approach to risk and how to invest their savings. Just because you have retired, doesn’t mean you need to take an ultra-conservative approach to investing. There is still time to invest in more aggressive investments, such as shares and property trusts, but only if this is within your comfort zone.

your spending plans

Looking at an endless European adventure or travelling around the Australian countryside? And have you done your budget to estimate how much you’ll spend? 

Everyone would like a comfortable retirement, and there are different ways to estimate your spending outlined here. Ultimately, you will need to review your budget, factor in some dream trips and see the impact this has.

the ipac super simulator

The ipac super simulator will look at your income, age, contributions and investment strategy to give you an idea of how long your money will last in retirement. This will help you estimate how close you are to your retirement goals and the impact of increasing your contributions.

If you find there’s a gap you’re finding hard to bridge, it will be worth talking to an ipac financial adviser. They will be able to pinpoint strategies to help boost your savings and put you on the path towards your retirement goals. 



let us call you

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