Retirement Isn’t the End of Your Super’s Journey—It’s Just the Beginning

Here’s the truth: just because you’ve retired doesn’t mean your super should stop working for you. In fact, keeping your super actively invested can be the difference between living comfortably for decades or watching your savings erode over time.

With inflation steadily chipping away at the value of money, even at a modest 2.5%, retirees are faced with a critical challenge: how to strike the right balance between protecting your savings and growing your wealth.

Let’s explore how you can make your super work smarter, not harder, long into retirement.


Step 1: Keep Your Super Growing in Retirement

Many retirees make the mistake of going too defensive too soon, locking in ultra-conservative investments like cash or term deposits. While this protects your balance from market dips, it also risks longevity risk—outliving your savings as inflation eats away at your spending power.

On the flip side, being overly aggressive with high-risk growth strategies can expose you to crystallising losses—selling investments at a loss when markets inevitably dip.

The solution? A carefully diversified strategy tailored to your retirement income needs and long-term goals.


Step 2: Know Your Retirement Investment Options

Superannuation funds offer a wide range of investment choices for retirees, including:

  • Single Asset Options: Focus on Australian shares, property, or cash.
  • Growth-Oriented Portfolios: These allocate up to 90% to growth assets like shares, designed for long-term wealth accumulation.
  • Conservative Options: With up to 70% in defensive assets like bonds and cash, these prioritise capital preservation.
  • Balanced Options: A mix of growth and defensive assets for those wanting a bit of both.

Finding the right balance is key—your choices should reflect both your income needs and your comfort with risk.


Step 3: The Growth vs. Risk Equation

Here’s the golden rule: the higher the growth potential, the higher the risk. Shares and property tend to outperform over the long term but are more volatile in the short term. On the other hand, low-growth options like cash and bonds offer stability but won’t keep pace with inflation.

Ask yourself:

  • What’s your retirement income goal?
  • How long do you need your super to last?
  • What’s your tolerance for market volatility?

Your answers will shape the ideal investment mix for your situation.


Step 4: Diversify, Diversify, Diversify

One of the smartest ways to reduce risk is through diversification. Think of it as not putting all your eggs in one basket.

For example:

  • Allocate a portion to growth assets (shares or property) for long-term gains.
  • Invest in defensive assets (bonds or cash) for stability and income.
  • Blend these with balanced options to create a tailored portfolio.

Even within conservative strategies, you can diversify further by splitting your balance across different asset classes or funds.


Step 5: Set Clear Financial Goals

What does your dream retirement look like? Whether it’s traveling the world, enjoying hobbies, or simply living stress-free, your goals will determine your investment approach.

  • Short-Term Needs: Cash or low-risk investments for immediate expenses.
  • Long-Term Goals: Growth assets to ensure your savings outpace inflation.

Having clarity on your priorities will guide every decision you make.


Step 6: Seek Expert Advice

Investing in retirement doesn’t have to be overwhelming, and you don’t have to go it alone. A financial expert can help you:

  • Assess your current financial situation.
  • Understand risks and benefits.
  • Build a personalised investment strategy.

This ensures your investments align with your income needs, risk tolerance, and long-term goals.


Case Study: Joe’s Balanced Approach

Joe, a newly retired 67-year-old, wants to ensure his super lasts for at least 25 years. He decides to:

  1. Keep a portion in growth assets to benefit from market upswings.
  2. Allocate a majority to conservative investments to protect his capital.

This diversified approach lets Joe maintain his lifestyle while safeguarding his future, even in the face of inflation and market volatility.


Step 7: Reassess and Adjust Over Time

Retirement isn’t static, and neither should your investment strategy be. Needs and preferences change, and it’s important to revisit your portfolio regularly.

With Prime Super, for instance, you can easily adjust your investment mix online, through their app, or with the help of a financial planner.


Get Started: Open Your Retirement Income Account Today

Retirement is your time to enjoy life—not stress about money. By keeping your super working for you, you can create a sustainable income stream, protect against inflation, and ensure your savings last as long as you do.

📞 Book a chat with a retirement specialist today to craft a strategy that fits your goals.

This is your future. Let’s make it everything you’ve dreamed of—and more.

What Are You Really Paying for in Financial Advice?

Let’s cut through the noise: financial advice isn’t just about picking the “cheapest” option—it’s about value. Real financial advice has the power to transform your financial future, from helping you take control of your retirement to slashing your debt or optimising your tax position.

But here’s the catch: not all advice is created equal. If one advisor simply helps you choose a super fund and another crafts a strategy to pay off your non-deductible debt faster, save tens of thousands in tax, or build a portfolio of investments to secure your retirement, is the more expensive option actually more expensive?

The truth is, good advice pays for itself many times over—but you need to know how to measure the value you’re getting.


What Does the “Right” Financial Advice Look Like?

The best advice isn’t about ticking a box or meeting a quota—it’s about crafting a personalised strategy that moves the needle on your wealth and security. Here’s what it should do:

  • Show You the Bigger Picture: Real advice goes beyond the basics. It helps you plan for the long term, whether that’s paying off debt faster, reducing tax, or building your retirement portfolio.
  • Prove Its Value: A good advisor will demonstrate, in black and white, how their fees impact your wealth—and why their advice outweighs the cost.

Keep You Accountable: The right advisor doesn’t just hand you a plan. They provide written, insured advice and hold you accountable to ensure you execute it.