In this guide
All information on SuperGuide is general in nature and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate for you before acting on it.
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Creating a retirement investment portfolio requires a different mindset to the investment strategies you may have used to save for retirement.
During your working life you (hopefully) made regular contributions to your super fund where it remained untouched and compounding for three to four decades.
In retirement, it’s the reverse. Once you transfer your super into retirement phase, you withdraw regular income to live on and can’t contribute any more to grow your balance. Any growth must come from earnings on existing investments.
This drawdown of wealth in retirement can last almost as long as the wealth accumulation phase. Depending on when you retire and how long you live, you could be looking at up to 30 years or so.
Putting the income horse before the investment cart
Before you get into the nitty gritty of how to structure your retirement investment portfolio, you need to get a handle on how much income you will need to live on.
