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Things you should know:
Commonwealth Financial Planners are Representatives of Commonwealth Financial Planning Limited ABN 65 003 900 169, AFSL 231139, a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank of Australia ABN 48 123 123 124.

1. ASFA Retirement Standard, Association of Superannuation Funds of Australia, June 2016.

2. Table 1: ‘Expenses per year’ source: ‘How much super will I need?’ ASFA SuperGuru website,, June 2016 *Base rate before payment of supplements. ‘Estimated assets needed to support retirement expenses’ source: Association of Superannuation Funds of Australia (ASFA), June 2016. Individual outcomes will depend on personal circumstances, asset allocation and the pattern of withdrawals. All figures in today’s dollars (using 3.75% as a deflator) and assumed investment return of 7% per annum. Assumes retirement age of 67 and retirement duration of 25 years. All estimates are based on the current means test for the Age pension in effect from 1 January 2017. Age Pension is base rate before supplements. Estimate of assets required assumes no tax paid on income earned from those assets (for example, assets held in superannuation). For more information please visit the Retirement Projector.

3. Source: ASIC’s MoneySmart website,, 4 September 2015. This estimate is only suitable for high income earners.