Getting started with retirement planning

When should you start?  

Any time! It’s never too early or too late to take control of your super. Super is a long-term investment, and even small, consistent actions can make a big difference over time.  

Here’s your roadmap to financial freedom – no matter where you’re starting from. 

Time is your secret weapon. Small, regular contributions now are easier than playing catch-up later. They can set you up to retire earlier and with more financial freedom.  

• Set simple habits: log in twice a year to check your balance, investments, insurance and contact details. 

• Start building your financial independence now. Retiring is a long way off, but the earlier you understand it, the more confident you’ll feel.  

• Get clear on your accounts. Multiple super accounts = duplicated fees = less money for future you.  

Even if you’re just starting out, you’re building something powerful.  

You’ve got competing priorities – we see you. From rent and mortgages to raising kids and smashing career goals, life’s full-on. But your future self will thank you for staying engaged with your super.  

Make the most of tax advantages. Tax rates in super may help lower your tax bill, as the tax rates in super are often less than your income tax rate. Consider making voluntary contributions to get ahead.  

• Balance priorities. Long and short-term challenges like student debt, credit cards or housing costs don’t have to derail your long-term goals - you still have many years to benefit from the power of small contributions. 

• Set your own timeline. Early planning helps you build financial independence and can help you retire on your terms. With longer life expectancy, changing job markets and rising living costs, growing your super now sets you up to thrive – not just survive. 

Super is a tool for freedom. Use it.  

Retirement starts to feel more real. But you’ve still got time on your side. Now’s the moment to shift gears and grow with intention, reducing the need for drastic ‘turbo-saving’ later.  

• Review and (if possible) increase your personal contributions. In 10-20 years, your future self will thank you.  

• Check if you’re eligible for catch-up contributions. If your super balance is under $500k, you can access unused before-tax caps from the past 5 years. Check your unused contributions through the ATO portal. 

• Review your investment mix to check it still matches your goals and risk appetite. 

• Build security for you. Juggling competing priorities can put pressure on your finances, but don’t ignore your own future while looking after others.  

You’re not behind. You’re right on time to build something strong.  

This is your power decade. Whether you’re thinking of retiring in 5 years or 15, getting clear now gives you more freedom later.  

• Get the picture. Build a clear picture of your financial position, to reduce stress and get your super in shape – your retirement could last 30+ years. Our Coach team is here to help. 

• Make a plan for any remaining debt – especially housing.  

• Keep up the good work. Keep reviewing your contributions and insurance, to check they meet your needs. 

Now’s the time to get specific, not overwhelmed. 

If you're ready to start planning, Verve’s financial coaches can help you: 

• Understand how your super is tracking 

• Make the most of contribution options 

• Review your insurance and investment choices 

• Explore whether you’re likely to access government benefits 

• Set goals that make sense for your life 

• Talk through your retirement plan – no jargon, no pressure 

Coaching access is included in your Verve Super – just start here.