Nicole Heales

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You need a plan to have a fabulous retirement


Women tend to live longer than men, and may spend up to thirty years in retirement.  You need to make sure your money doesn’t run out before you do.

Women typically earn less than men, take more time off work caring for others, and as a consequence often have lower savings in superannuation.


“You can be gorgeous at thirty, charming at forty, and irresistible for the rest of your life.” – Mae West

Your retirement is your longest term goal, and it’s also your most important…

Probabilities show that females now aged 65 may live between 88 and 100.

The good news is that you may enjoy a long and healthy retirement. The bad news is, you are going to have to pay yourself for at least 25 years after you stop work.  So the sooner you start preparing for your retirement, the better off you’ll be.

According to a 2014 report by Deloitte, Australian women need to have a lump sum of at least $680,000 when they retire in order to have a comfortable retirement.

I encourage everyone to start planning for retirement from age 40. By salary sacrificing a small amount extra into your super every year, you will have the benefit of time and compounding interest to help you accumulate sufficient retirement savings.

If you’re in your 50s or close to retiring, you’re likely concerned by these numbers.

According to the Association of Superannuation Funds of Australia (ASFA) a comfortable retirement includes:

  1. An annual holiday in Australia
  2. Eating out regularly with a good range and quality of food
  3. A reasonable car
  4. Bottled wine
  5. Regular hair-cuts at a good hairdresser
  6. A range of electronic equipment
  7. Replace kitchen and bathroom over 20 years

Unfortunately only 15% of couples and 5% of singles currently have enough money in their super to fund a comfortable retirement.

If you want a fabulous retirement you need a plan to make it happen!


1Adequacy and the Australian Superannuation System – Deloitte 2014
2ASFA Retirement Standard September 2019
3http://www.superguru.com.au

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INDUSTRY AWARDS

  • Winner – Most Influential Financial Planner 2019
  • Power50 – 50 Most Influential Advisers in Australia 2019, 2018 and 2017
  • Finalist – Female Excellence in Advice 2018 and 2017
  • Finalist – Industry Thought Leader of the Year 2018
  • Finalist – Holistic Adviser of the year 2018
  • Winner – Most Inspirational Woman in Financial Planning 2017
  • Finalist – Financial Adviser of the Year 2017 and 2016

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Nicole Heales ABN 64 871 906 280 is an Authorised Representative of Capstone Financial Planning Pty Ltd ABN 24 093 733 969. AFSL 223135 (Authorised Representative Number 312479).

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