Depends what the super is invested in. Just with ASX investments and franking credits, $90kpa going up with inflation, you’d need $1.8m and it would never run out, you’d not touch the capital. Most people spend more in first 10 years and less in last 10 years. And having 1.5-2 years living expenses in a high yield bank account as an emergency fund is also a good idea. If you were to downsize your home and put the difference into super, you can do catch up concessional contributions plus then non concessional contributions up to $330k in 1 year (as long as you don’t put more non concessional contributions in for the next 2 years). Super funds have a financial planning hotline, plus for all decisions, even if an advisor or mortgage broker thinks it’s a good idea, ALWAYS speak to your accountant, because super rules are complicated and the consequence is paying more tax than you need to simply because of a paperwork mistake Rules of thumb for ASX based LICs/ETF from dividends: 5% (x $90k by 20 = $1.8m for nest egg). Rules for US or all world based ETFs: 4% (x $90k by 25= $2.25m nest egg required)

Nice way to retire. For me, I believe retirees who struggle to meet their basic needs are the ones who could not accumulate enough money during their active years to meet their needs. Retirement choices determine a lot of things. My wife and I both spent same number of years in the civil service, she invested through a wealth manager and myself through the 401k. We both still earning after our retirement fund has grown way more than it would have with just the 401(k). Haha.

It's unfortunate most people don't have such information. I don't really blame people who panic. Lack of information can be a big hurdle. I've been making more than a million dollars by just investing through an advisor, and I don't have to do much work. Doesn't matter if the economy is misbehaving; great wealth managers will always make returns.

I think this is something I should do, but I've been stalling for a long time now. I don't really know which firm to work with; I feel they are all the same but it seems you’ve got it all worked out with the firm you work with so i surely wouldn’t mind a recommendation.

I definitely share your sentiment about these firms. Finding financial advisors like Kathie Daisy Bosco who can assist you shape your portfolio would be a very creative option. There will be difficult times ahead, and prudent personal money management will be essential to navigating them.

Thank you for this Pointer. It was easy to find your handler, She seems very proficient and flexible. I booked a call session with her.

Hi! We frequently monitor the growth in cryptocurrencies and their behaviour. However, at this point, we have no plans to invest in bitcoin or other cryptocurrencies. As a super fund, we overwhelmingly invest in real and financial assets that generate reliable streams of income - dividends, interest, rent etc. - that can be accrued and reinvested on behalf of our members. At this stage of their development, cryptocurrencies are still highly speculative assets that are almost impossible to value in any fundamental sense and are traded on markets that are far from transparent. For further information on how Australian Retirement Trust invests, our Investment Reports provide a regular update on the economy and the market, along with the management and performance of our investment options: www.australianretirementtrust.com.au/investments/performance/reports Henri @ ART :)

Hi! If you're concerned about limits concerning the Pension - please contact Centrelink directly - www.servicesaustralia.gov.au/who-can-get-age-pension?context=22526 Thanks! Henri @ ART

Hi Bobby, Please call us on 13 11 84 so we can discuss our accounts and fees with you - or you can visit our website at www.australianretirementtrust.com.au/ Thank you - Henri @ ART

Hopefully the ART log on to their account today and delete the scammers posts, and then check it regularly…