To achieve the retirement lifestyle you need or desire, you must plan. ACSRF can help you with your planning in order to ensure you are on track for the realisation of your goals.
- Are you contributing enough to super?
- What difference would extra contributions make to your benefit on retirement?
- What is the optimum method of making salary sacrifice contributions into super for someone on your income level: before-tax, after-tax or a mix?
- If you increased your salary sacrifice amount, what effect would it have on your take home pay?
- If you are subject to an Enterprise Agreement where your employer pays extra super if you make personal super contributions, how will this affect your retirement benefit?
We have a number of calculators to help you answer these questions and more. Voluntary contributions to super do make a difference and our calculators will show you just how much. Vary the contribution levels and see the effects. Our calculators can also factor in the effect of any government co-contribution entitlements for making after-tax contributions to super.
The calculators assume that your retirement age is equal to or greater than 60. Retirement prior to this age may have tax implications, so you should also seek financial advice.
Try the following calculators to explore possible scenarios and be better informed about your super.
The following calculators use certain assumptions and are intended to provide estimates
only. They were not designed to provide any recommendations. You should consider
your objectives, financial situation and needs and consult your financial adviser,
before relying on any calculator result. SCS Super Pty Ltd is not liable to any
person for any loss suffered in reliance on any calculator result.
Salary sacrifice calculator
[Click
here] to open calculator.
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Our 'Salary Sacrifice calculator' helps you to compare the effect on take home pay
and super contributions by making personal super contributions using two different
methods ie as a salary sacrifice contribution or as an after-tax contribution.
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Super and pension calculator
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here] to open calculator.
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Our 'Super and pension calculator' helps you to determine what your targeted superannuation
savings needs to be (in today's dollars) to support a certain level of continuing
allocated pension income in retirement, and whether your current balance and contributions
are on track to meet this target. You are also able to adjust your personal contribution
amount and your expected investment return to see what impact this might have on
reaching your target.
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Super and retirement calculator
[Click
here] to open calculator.
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Our 'Super and retirement calculator' helps you to determine what your targeted
superannuation savings needs to be (in today's dollars) to support a certain level
of continuing income in retirement, and whether your current balance and contributions
are on track to meet this target. You are also able to adjust your personal contribution
amount and your expected investment return to see what impact this might have on
reaching your target.
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ACSRF budget planner
[Click here]
to open calculator.
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The ACSRF budget planner will assist you to better understand how to manage your
money. Do you always wonder where your money goes or never have enough for those
things you would like to spend it on? You don't need to complete all the fields
but rather enter information in as many fields as are relevant to your situation.
Once finished, you can keep a permanent record of your income and expenses by printing
your summary or saving it on your own computer.
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Risk Profile Calculator
[Click here] to open calculator.
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Making the investment choice that is most appropriate for you depends on factors
including your experience, investment time frame and the level of risk you are prepared
to accept. A Risk profiler can help you to determine your investor ‘personality’,
however it will only be a guide and may not accurately reflect your comfort zone
or individual circumstances. The quiz only takes a few minutes and there is no right
or wrong answer. If after using the risk profiler you find you require more assistance
in making or confirming your investment choices, you may contact the ACSRF’s Financial
Planning Department on 1300 658 776 to make an appointment.
Disclaimer: The information provided through the use of this Risk Profile calculator
is of a general nature and does not take into account your personal circumstances.
It should not be relied upon to constitute a recommendation or statement of where
you should be invested. Before making investment decisions you should consider your
financial requirements including your investment time frame and attitude to risk,
ACSRF’s Product Disclosure Statement and if necessary consult a licensed financial
adviser for further assistance. ACSRF does not accept any liability, either direct
or indirect, arising from any person relying on information shown in, derived from
or omitted from the Risk Profile Calculator.
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Insurance
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here] to open calculator.
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Insurance needs vary according to your age and personal circumstances and our insurance
calculator provides a guide. Many people want to use life insurance protection to
simply cover their debts, while others want their insurance to provide an income
stream for a prolonged period eg until their children reach adulthood. Although
insurance is highly cost-effective when taken on a group basis through super, you
may find that very high levels of cover are outside your budget. Should you require
assistance balancing your ideal protection needs with affordability, ACSRF recommend
you contact our financial planning team for personal assistance on a fee-for-service
basis.
Note: 'In the rare event that the calculator arrives at a negative amount as the
estimated insurance you require, this is to be read as an amount of overinsurance.
Based on the figures you have entered you currently have more than the required
amount of insurance cover. The calculator shows the amount that you are potentially
over insured for. You may want to check your figures again to ensure this is correct.’
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