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Retiring well means making a series of decisions to ensure a financially secure post-work life. One practical step is to work out the income you need each week to survive and thrive when you stop working. If you are one of the many Australians still working and growing your super, knowing more about tailored retirement...Read More

The Federal Government increased the Age Pension from 20 March 2026, alongside a gradual rise in deeming rates. Advocacy group COTA Australia says the pension boost will offer relief, but warns updated deeming assumptions may not reflect the realities facing all older Australians. From 20 March 2026, around 2.5 million Australians receiving the Age Pension...Read More

Discover ways to answer the common question ‘How much do I need to retire?’ Learn about retirement costs How much retirement costs depends on what you want out of retirement, and your individual needs and circumstances. The lifestyle you want may look different to another person’s, so your living costs will be different. For example,...Read More

The best time to start planning for retirement is yesterday. But the second-best time? Today. About two-thirds of Australians retire earlier than they anticipated because of unexpected events such as job loss or redundancy, they need to care for a family member, have a sudden illness or injury, problems at work or a partner’s decision...Read More

Stopping work is a big shift – especially when you haven’t planned for it. Why you might face a sudden retirement Only one-third of Australians retire because they’ve reached retirement age. For many, retirement happens earlier than they expect due to events outside their control. These can include: Job loss or redundancy: some people are...Read More

Setting up a lifetime income stream is one way to get regular payments in retirement. What is a lifetime income stream? A lifetime income stream is a financial product that pays you regular income for as long as you live. You buy a lifetime income stream with a lump sum of money, such as your...Read More

Retirement has often been seen as a time to slow down and enjoy the simple pleasures of daily life. And for many, that’s the dream. But retirement is no longer defined by one image or one path. In fact, it can be something much more expansive. Today, retirement is increasingly viewed as a time of...Read More

What the end to the deeming freeze means for Age Pensioners If you receive the Age Pension, changes that came into effect on 20 September could affect your payments. Deeming rates used by the government to estimate the income pensioners earn from savings and investments have been frozen since May 2020. But recently changed. These...Read More

Vanguard’s newly released How Australia Retires 2025 report explores how Australians prepare for and experience retirement. Based on a nationally representative survey of 1,800 Australians aged 18 and over conducted in February 2025, the research reveals a significant gap in sentiment between working and retired Australians. While 65% of retirees expressed positive feelings about retirement,...Read More

Mortgage debt is impacting the confidence of many retirees Vanguard’s How Australia Retires 2025 report reveals a concerning trend: more Australians are expecting to enter retirement with mortgage debt, and it’s having a real impact on how they feel about their financial future. The findings are based on a nationally representative survey of 1,800 Australians...Read More