In our calculations of the numbers we’ve used in the Ready Reckoner, we made the following assumptions:

  • You own your own home
  • Includes Commonwealth Age Pension, based on current eligibility rules
  • Retirement at age 60
  • Super Guarantee payments from your employer: 10.5%
  • A 7.6% average return on your super before and after retirement
  • Annual fees and insurance premiums: $500 a year
  • CPI: 3.5% and Improvement in Living Standards: 1.1%
  • Where a couple, both partners are assumed to be the same age, retire at the same time and both pay the same fees on their super/insurance. Both partners earn the same returns on their super before and after retirement.

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