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Your Retirement Profile
YOUR ACCOUNT BALANCE CONSISTS OF:
$
If you take your super today
$
Preserved Amount
(can be accessed at retirement)
$
Non Preserved Amount
Your non preserved component consists of
$
Tax Free Amount
$
Taxable Amount
We Estimate You'll Have
super balance in {}
Retiring now with
Centrelink pension p.a.
income P.A.
of retirement income
of what you need
Benefit Estimate Disclaimer
The estimate of your benefit provided on this website does not describe all of the conditions affecting the amount and its availability. Benefits are determined in accordance with the Trust Deed, Trustee determinations and Government regulations. The estimate should therefore be read in conjunction with the information contained in the {ProductDisclosureStatementName} and other documents sent to you.
If you are a defined benefit member and have recently ceased employment or elected Choice of Fund, the quotations provided on this website may not reflect your actual final entitlement if notice of your cessation of employment or the effective date of your Choice of Fund has not yet been received and fully processed by the Administrator.
The estimate does not guarantee that you will receive a particular benefit and is based on information available to the Trustee at the time this calculation has been processed. At the time of payment, your benefit may be subject to other deductions due but not yet posted to your member account balance. The unit prices used when paying your benefit will be those available at the time your benefit is processed by the Administrator. If you have requested an investment switch which has not been processed, this will affect the benefit displayed here.
While all reasonable efforts have been made to ensure the information contained in this estimate is correct, the Trustee reserves the right to correct any error or omission. You should not enter any commitments based solely on the information contained in this estimate.
If any of your personal details are incorrect, the benefit estimate may be affected. If you require a confirmation of your estimate or further information about your benefit, please contact {HelplineName}.
Retirement Estimate
The estimate shown here is based on the following information about you:
- Your age and period to retirement (in whole years)
- Your account balance
- An estimate of your salary based on employer contributions
- Your current insurance premium
- The administration fees payable on your account
It also includes assumptions about:
- Investment earnings and fees on your super
- Inflation
- Employer contributions at the SG rate
- No voluntary contributions
- Your partner and homeowner status
- Your desired retirement income
You can view and change these assumptions, but any updates will not affect your account or appear on your Dashboard.
This estimate does not consider your personal objectives, financial situation or needs. For personal financial advice, please contact us to speak to a financial adviser.
YOUR ACCOUNT BALANCE CONSISTS OF:
$
If you take your super today
$
Preserved Amount
(can be accessed at retirement)
$
Non Preserved Amount
Your non preserved component consists of
$
Tax Free Amount
$
Taxable Amount
Get the Right Advice
If you are an Accumulation member, your benefit builds up with contributions and investment earnings, and is reduced by deductions for fees, premiums and taxes.
If you are a Defined Benefit member, the benefit you receive is based on a formula that includes your service-based accrued multiple, your final average salary and your age.
This area contains the data and assumptions used in your retirement estimate. You can change the inputs on the controls below, and click Update to see the results.
Your Retirement Estimate Is Based On
Salary :
Salary
Your annual salary before tax and any reduction for personal or salary sacrifice contributions. The default value of Salary has been estimated based on your employer contributions.
Desired Income In Retirement P.A. :
Desired Income in Retirement P.A.
This is the total income you would like to live on in retirement, in today’s dollars. The calculation assumes this will be indexed at 2.5% p.a. in retirement. The default value is set to the ASFA Comfortable level for singles. If you are partnered, enter half of what you will need as a couple.
Retire At Age :
Retire at Age
The default retirement age is the greater of 67 and your next age.
Additional Information About You
You can further customise your retirement estimate with the input sliders below. Click Update to refresh your estimate.
I Am Partnered
Yes
No
Partnered
You can indicate your expected partner status at retirement
I Am Homeowner
Yes
No
Homeowner
You can indicate your expected homeowner status at retirement
I Am Self-Employed
Yes
No
Self-Employed
Indicate here whether you are self-employed. If you are self-employed, the calculation will assume you do not receive employer contributions
Strategy :
Strategy
Indicate your investment strategy here. If you invest in multiple options, or your option is not listed, select the one closest to your overall portfolio. You can view the default returns for the different options by clicking through to Important information and More information.
Employer Contributions (%) :
Employer Contributions
Set your employer contribution rate here. For most people this will be the current Super Guarantee rate
Salary Sacrifice Contribution P.A. :
Salary Sacrifice Contribution P.A.
The annual amount of salary sacrifice contributions you make (if applicable). Salary sacrifice contributions are contributions made from your pre-tax salary. Note that salary sacrifice contributions include any contributions for which a tax deduction is claimed. The estimate assumes this will increase at the same rate as your salary. Remember both employer contributions and salary sacrifice contributions count towards your concessional contributions cap.
After Tax Contribution P.A. :
After Tax Contribution P.A.
The annual level of after-tax contributions you pay. The estimate assumes these will increase at the same rate as your salary.
One Off Contribution / Rollover Now :
One Off Contribution / Rollover Now
This refers to a one-time after-tax contribution or rollover you expect to make. If you have super outside of this account, you can include it here.
Adjust Default Returns By :
Adjust Default Returns By
Use this slider to increase or decrease the default investment return if you anticipate it may be different from the long-term return for the selected option.
Asset-Based Fee :
Asset-Based Fee
Asset-based fees are the fees that are expressed as on annual percentage of your super balance. The default value is the standard rate for your account, but you may receive an employer based discount
Insurance Fee :
Insurance Fee
The default value is based on your current annual insurance premium. The estimate will deduct this amount from your super each year until you retire.
Admin Fee :
Admin Fee
The default value is your current standard dollar admin fee. The estimate will deduct this amount from your super each year until you retire.
Inflation (CPI) :
Inflation (CPI)
This is the rate of future price inflation relevant to the area you work and transact. The default value of 2.5% p.a. has been set by ASIC.