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Enter the Bridges Retirement Lab to see how you measure up and whether you're on track to live the retirement you want.

Note: we won’t keep any of your information and we won’t send you any marketing material. If you make an appointment with a Bridges financial planner, we will of course have to record your contact information.
First name: *
Gender: * ?
Date of birth: * ?
What age do you plan to retire? * ?
Would you like to factor in your partner or do the experiment as an individual?
 
Partner's first name *
Partner's gender * ?
Partner's date of birth * ?
Has your partner retired? * ?
Retirement date * ?
What age does your partner plan to retire? * ?
 
Retirement is your time, so it’s worthwhile taking a few moments to think about what you want to do.
To start click on Step 1 – ‘Expectations Lab’
Note: Most people only take three or four minutes to complete the retirement lab.
Click on Step 2 – ‘Experiment Lab’ to continue.
Click on Step 3 – ‘Analysis Lab’ to continue.
 
 
Step 1 - Picture your lifestyle
in retirement
 
Step 2 - Test how you measure up

 
Step 3 - Analyse your results

Enter
Back
's Expectations Lab    
Picture your lifestyle in retirement and select the level of comfort you envisage for your home, food, leisure, transport and health care. When you’ve completed all five categories click ‘Calculate’ and see where you sit on the lifestyle scale.
What’s the Expectations Lab all about?
 
Your home
 
Food
 
Leisure
 
Transport
 
Health care
Your Home
Hover for a description and click to select the option that suits you, then complete the next category.

 
Modest
Allows for small home improvements, modest rates and bills and ...
?More information
 
Comfortable
Allows you to renovate your kitchen or bathroom at some stage, pay the additional costs ...
?More information
 
Comfortable Plus
Allows you to renovate your home or complete your home’s landscaping, pay ...
?More information
 
Modest
Purchase basic groceries and fresh food from your supermarket each week.
?More information
 
Comfortable
Purchase basic food items and occasionally buy gourmet food and alcoholic beverages.
?More information
 
Comfortable Plus
Purchase basic food items and regularly buy gourmet food and alcoholic beverages.
?More information
 
Modest
Allows in-home entertainment including DVDs and books plus local sporting and ...
?More information
 
Comfortable
Allows for TV subscriptions, sports memberships occasional trips to the cinema/ theatre ...
?More information
 
Comfortable Plus
Allows you to purchase sporting memberships and specialist sporting gear such as ...
?More information
 
Modest
Allows you to catch public transport and use country coach or train services for ...
?More information
 
Comfortable
Allows you to purchase a reasonable car that you can efficiently run and maintain.
?More information
 
Comfortable Plus
Allows you to purchase a new car that you can efficiently run and maintain.
?More information
 
Modest
Covers basic level private health insurance and allows you to purchase necessary medicines ...
?More information
 
Comfortable
Covers top level private health insurance and allows you to purchase necessary medicines ...
?More information
 
Comfortable Plus
Covers top level private health insurance plus optional extras (such as naturopathy services ...
?More information
 
 
 
 
 
 
 
Pension
Modest
Comfortable
Comfortable Plus
 
 
 
 
Please select your comfort level for each of the five categories of Your home, Food, Leisure, Transport and Health care and then click calculate.
's Experiment Lab   
This is your chance to test different scenarios to see how close you are to living
your retirement dream. When you've completed each category click 'Calculate'
to see how you measure up.
Default
Settings

Deductions for accumulation phase

Insurance premium
$
 
Fees
$
 
Adviser fee
 
%
Management fee
 
%

Deductions for retirement phase

Fees
$
 
Management fee
 
%
 
 
 
 
 
 
 
 

Assets outside of super assumptions

Assets
 
Growth rate
 
Financial investment
 
%
Personal
 
%
Other
 
%

Inflation assumptions

Salary inflation rate
 
%
Rate of inflation (CPI)
 
%
AWOTE rate
 
%
 
 
 
 

Required income in Retirement

Income in retirement
$
 
Do you own your own home?
You are expected to live to age
 
 
Your partner is expected to live to age
 
 

 

Income rate
 
%
%
%
Close
Select
category
 
Income & super
 
 
Assets
 
Adding to super
 
Investment strategy
 
Career break
Income & super
?
 
 
Self
Partner
Salary (before tax)
$
 
$
 
 
per
 
 
Does your employer pay super guarantee (SG) contributions on your total gross salary for super purposes, in excess of the ATO's maximum superannuation contribution base of $203,240 per year?
 
 
Does your partner's employer pay super guarantee (SG) contributions on your total gross salary for super purposes, in excess of the ATO's maximum superannuation contribution base of $197,720 per year?
The default employer contribution of 9.5% has been reduced because of the limitation of the maximum superannuation contribution base.
 
 
 
 
 
 
 
 
 
Super balance
$
 
$
 
Pension balance
 
 
 
$
 
Deductible amount
 
 
 
$
 
 
 
 
 
 
 
 
?
 
Enter other assets outside super. Do not include the value of your home as this tool assumes you own your home outright at your specified retirement age.
Investment assets outside super
$
Personal assets
$
Other financial assets outside super
$
Do you want to include the age pension in your income in retirement?
 
?
 
Types of super contributions
 
Self
Partner
Employer contributions (SG)
 
  %
 
 
  %
 
Personal before tax (salary sacrifice)
$
 
$
 
Personal after tax
$
 
$
 
?
 
Select your investment strategy
Before retirement
Investment risk option
 
 
Rate of return (net) %
%
In retirement
Investment risk option
 
 
Rate of return (net) %
%
?
 
 
Self
Partner
Planning a career break?
 
 
Age stop
        
  
Age restart
        
  
Return to work part-time
 
 
Part time % of full-time salary
 %
 %
Age to return to full-time
        
  
 
 
 
 
 
 
 
 
 
 
 
 
Pension
Modest
Comfortable
Comfortable Plus
 
Analyse your results. Enter the next lab.
 
Please enter your details for all five categories of Income & super, Assets, Adding to super, Investment strategy and Career break and then click calculate.
's Analysis Lab    
Text to go here
You are on track!
 
How long your money will last in retirement
 

Make an appointment
 
 
 
 
 
 
 
 
 
 
 
Pension
Modest
Comfortable
Comfortable Plus
 
Take the next step and claim your personalised report.
Next Step
To discuss and understand what the results of the Bridges Retirement Lab mean for you, email a copy of your personalised report to your email and make an appointment with a Bridges financial planner by completing the form below. The initial consultation is complimentary and obligation free.
 
Email report
 
Make an appointment
 
Make an appointment
 
Subscribe to Bridges Insights
 
Watch the video
 
Contact us
Please enter your email to produce a copy of your report.
Email
 
Send
Your report will be emailed to you shortly.
To make an appointment with a Bridges financial planner, complete the details below and we’ll find a financial planner near you.
First name *
Email *
Telephone *
Postcode *
Which financial institution were you referred from? *
 
Submit
 
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