The questions isn’t at what age you want to retire,  it's at what income

 Its well documented that 8/10 retirees run out of super in retirement.

Self-Funded Freedom's mission is to fix that

There are three broad definitions. Have a look and then, if you would like to investigate your options, contact us, using the options ate the bottom of this page.

Comfortable retirement

Modest retirement

Age Pension

Replace kitchen and bathroom over 20 years

No budget for home improvements. Can do repairs, but can’t replace kitchen or bathroom

No budget to fix home problems like

a leaky roof

Better quality and larger number of household items and appliances and higher cost hairdressing

Limited number of household items and appliances and budget haircuts

Less frequent hair cuts or getting a friend to cut your hair

Can run air conditioning

Need to watch utility costs

Less heating in winter

Restaurant dining, good range & quality of food

Take out and occasional cheap restaurants

Only club special meals or inexpensive takeaway

Fast internet connection, big data allowance and large talk and text allowance

Limited talk and text, modest internet data allowance

Very basic phone and internet package

Good clothes

Reasonable clothes

Basic clothes

Domestic and occasional overseas


One holiday in Australia or a few

short breaks

Even shorter breaks or day trips in

your own city

Top level private health insurance

Basic private health insurance, limited gap payments

No private health insurance

Owning a reasonable car

Owning a cheaper more basic car

No car or, if you have a car, it will be a struggle to afford repairs

Take part in a range of regular leisure activities

One leisure activity infrequently, some trips to the cinema or the like

Only taking part in no cost or very low cost leisure activities. Rare trips to the cinema



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