Graphs - Model My Super

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super balance at retirement may exceed the transfer balance cap. We have assumed that the excess remains in accumulation phase and will be drawn down to meet desired income each year.

Your home loan balance will be at retirement. You can use the retirement lump sums panel to withdraw money from your super to pay off your home loan. dismiss

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Projected retirement income (in today's future dollars)

Projected super balance (in today's future dollars)

NOW

RETIREMENT

BEYOND

COMPARE

Now

Age

years old

net income

PARTNER

years old

net income

YOUR CONTRIBUTIONS

from your

each year

before tax
each year

in regular
contributions
each year

in one off
contributions

Retirement

Age

which includes

in other retirement savings

in market linked investments

in Mercer LifetimePlus

in a longevity option

and live on at least

a year

( that's per week )

Beyond

Age +

With of your client's super invested in Mercer LifetimePlus, they can now expect to receive an income above the age pension for as long as they live.

105

Based on your age
and sex, there is a

However, your longevity option
will continue to provide an
income after your market
linked investments run out

Compare

If you make the following changes:

You could retire with

Your super
could at least

Your risk of outliving your
super could by

Longevity withdrawal value (in today's dollars)

Home Loan Balance (in today's dollars)

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Chance of living to each age

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Exciting changes in your life?

It may be a good time for a super health check. Our members have access to financial advice on key aspects of their super at no additional cost.

Streamline and save on fees

Did you know you can find and then choose to combine your other super accounts, simply by logging in to your ANZ Staff Super account?

Having all your super in one place makes it easier to manage and could mean less fees and admin.

Log in to your account and read the important information before deciding to find and combine your other super.

Over 54? Access your super or build it faster

Transitioning to retirement made simple.

If you are over 54, you may be able to access part of your super or build on it for retirement with a transition to retirement account based pension.

Our members have access to financial advice on key aspects of their super at no additional cost. Contact us on 1800 000 086 and we can book you in for a call with one of our qualified financial advisers.

New scenario created

	Saved	New

Your age

You have a Custom investment strategy selected. Please select a different investment strategy if you are already retired.

Are you ?

No Yes

Current

Current e

Your super balance may exceed the transfer balance cap (currently $1.9 million) in the future. This means you’ll no longer be eligible to make after-tax contributions from that time.

Based on current settings, your concessional contributions will breach the cap. Concessional contributions include employer contributions, salary sacrifice contributions and employer-funded defined benefits. Any excess concessional contributions will be treated as non-concessional and taxed at your marginal rate.

Employer super contribution limited to the

No Yes

Voluntary contributions

p.a.

Allocate contributions manually Allocate automatically

Do you expect to make a

No Yes

Number of

0 1 2 3

First career change

Age

First career change

Second career change

Age

Second career change

Third career change

Age

Third career change

Number of

0 1 2 3

First career break age

First career break length

year(s)

Second career break age

Second career break length

year(s)

Third career break age

Third career break length

year(s)

Allow for Age Pension?

No Yes

Home owner

No Yes, repaying Yes, fully owned

(% p.a.)

($ p.a.)

Your spouse/partner

None

Current age

Current

Current e

Your partner's super balance may exceed the transfer balance cap (currently $1.9 million) in the future. This means they’ll no longer be eligible to make after-tax contributions from that time.

Is your partner self-employed?

No Yes

Does your partner expect to make a ?

No Yes

Number of

0 1 2 3

First career change

Age

First career change

Second career change

Age

Second career change

Third career change

Age

Third career change

Number of

0 1 2 3

First career break age

First career break length

year(s)

Second career break age

Second career break length

year(s)

Third career break age

Third career break length

year(s)

Help me set a retirement income

No Yes

Partner

Number of in retirement

0 1 2 3

First lump sum withdrawal

Your home loan at age is:

Withdrawal amount

Second lump sum withdrawal

Your home loan at age is:

Withdrawal amount

Third lump sum withdrawal

Your home loan at age is:

Withdrawal amount

One or more of your lump sum withdrawals was greater than the amount remaining in your account that year, and has been reset to 0.

()

Investment option (default return in retirement)

Investment Strategy	Percentage Allocated
	%

Investment Strategy	Percentage Allocated
	% Please enter a number from 0-100
Total (must be 100%)	%

Different strategy during retirement

No Yes

()

Adjust by

Change fees Hide fees

Adjust by

Percentage based fees in retirement

Change inflation rates Hide inflation rates

Disabled Enabled

()

Investment option (default return in retirement)

Investment Strategy	Percentage Allocated
	%

Investment Strategy	Percentage Allocated
	% Please enter a number from 0-100
Total (must be 100%)	%

Different strategy during retirement

No Yes

()

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Data breakdown

Format:

Age, working income, super drawdown, age pension, longevity drawdown, spouse working income, spouse super drawdown, super balance, longevity balance