When it’s time to get serious about super!

From the moment you get your first job and your first superannuation account, you’re setting a foundation for what your super journey looks like as you head towards retirement.

That journey however, is a long one! From our first job to when we retire we go through lots of life stages - we may find a partner, get married, have mortgages and holidays and kids, or start a business. All of this costs money and that may mean that we’re not adequately planning for retirement along the way.

Of course, enjoying life is also important. All of the things we do in all of our life stages should come first, and most of us are doing small things to grow our super along the road, like contributing money through work or taking advantage of other incentives, but at what age do we really need to get serious about super?

In my mind, as soon as you hit 50 is when you really want to put a firm superannuation plan in place.

Why? It’s around 10 years before you want to retire and it’s a good time to hone in and create a plan to make sure you’re going to get your superannuation to where you want it to be.

That includes understanding what you’ve got in super, figuring out where you want to get to and what you need to do to get there. If you’ve still got a way to go, we can start putting some extra money into super and there’s still plenty of time for this to make a big difference.

If you’re not sure where to get started, head to my website and check out our nine-step framework, the Ultimate Retirement Edge, which talks through some of our top tips to starting on your retirement-planning journey.

You can also check out our Facebook and YouTube for even more helpful super tips, or get in touch if you’d like to sit down and chat about planning for your retirement.