Financial Planning
Insights & Advice

Sequencing risk is one of the most misunderstood concepts in retirement planning. Two people can retire with the same super balance, in the same fund, with the same average return over 20 years, and end up with very different outcomes, depending purely on when the bad years hit. Here’s why it matters and how to plan around it.

Retiring at 60 with $235,000 in super is achievable for homeowners willing to live modestly and plan carefully. The biggest challenge is funding the seven-year gap before the Age Pension starts at 67. Here’s what $235K actually buys you, how long it lasts, and what makes it work.

Retiring at 60 in Australia with $155,000 in super is achievable for homeowners prepared to live modestly during the seven-year gap before the Age Pension. Here’s what $155K actually buys you, how long it lasts at different spending levels, and the strategies that make it work.

Curious about retiring at 62 with $470K in Australia? With careful planning, smart super management, and strategic budgeting, $470K can provide a comfortable retirement while maximizing Age Pension benefits.

Thinking of retiring at 62 with $465K? Learn how long your money can last, how to manage the 62–67 pension gap, and how to plan a confident retirement in Australia.

Yes, you can retire at 62 with $445,000 in super, especially if you own your home. The five-year gap before the Age Pension starts at 67 is the key planning challenge. Here is what the numbers look like in 2026 and how to make your money last.