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By Tamara Gillman
Certified Financial Planner@

superannuation, family responsibility,
making financial decisions and more.

By Tamara Gillman
Certified Financial Planner®

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For the past decade I’ve been speaking
to women from all
walks of life about their money
challenges.

I’ve learnt that all women want financial
security and to have enough money for
a comfortable retirement.

But sadly, I still see many women
confused and unsure of their financial
future.

Money still remains a source of worry
for many. 
And I totally get it!

There are so many questions and
options when it comes to retirement,
that it can feel overwhelming.

But with a little planning, you can make
a huge difference to your retirement.

I hope this eBook serves you well, and I
look forward to helping you put these
strategies in place.

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Am I doing enough to secure my retirement?

How much should I be contributing to super?

This eBook was especially created for women in their 50’s
and 60’s.
Here within, I answer the most common questions
women have about retirement, such as:

Grab a coffee, tea or wine... 
and get settled in with the Ebook.

Keep in mind there is professional help available to guide
you through each step of the way.

Note: Any advice in this publication is of a general nature only and has not been

tailored to your personal circumstances. Please seek personal advice that is right

for your unique situation, prior to acting on this information.

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How would it feel to wake up each day, living your dream life in

Now ask yourself if you feel like you deserve your dream retirement...

And if you answered no, don’t feel bad - you're not alone.

Even in this day and age, many women are still uncomfortable talking

about money,  and may have negative feelings towards money.

This makes it difficult to move forward and make significant financial

decisions. Women are so used to putting others first, that it can be

The thing is, before you can take practical steps to achieve your

retirement dreams, you need to work on your mindset.

In many cases, it’s our thoughts, not our abilities that hold us back.

If money were no object,
how and when would you
like to retire?

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Goals will help you to identify where you’re at right now,

Make sure you set clear and specific goals, not just, “retire with

enough money” or “have my house paid off”.

I’m talking dollar values here! Do the maths and write down some

magic numbers. Remember, your goals need to reflect your

We all know that small consistent actions over time absolutely

work. You want to align your actions, in particular those around

This may mean you start making extra contributions to your

super or spending less on luxuries and ensuring your Super is well

Whatever you decide on, the key is to take responsibility for your

own financial life and ultimately, your retirement.

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Generally, individuals and couples from age 65 need around $42,764 and

$60,264 per year, respectively, to fund a comfortable lifestyle (assuming

they own their home outright and are in good health).

But the amounts above are an indication only, and everyone is different-

so it comes down to how you see yourself enjoying your money and your

Compared to if you're working, in retirement you will likely spend less in

areas such as your commute, less on work clothes and less on

conveniences such as take-away coffees or lunches. On the other hand,

you’ll have more time for leisure activities such as lunch with friends,

taking out the grandkids, trips away, or improvements around the house

To have an idea of the amount of income you'd like to spend in

retirement, think about the things that you love doing. Keep in mind

that it’s common to spend more in the earlier years of retirement (as

you'll be more active), and less as you slow down over time.

There is no ‘one size fits all’ approach when

as we all have different wants and needs.

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Once you’re aware of how much per year you’ll

Imagine you were given the rest of the year off from

What would you spend the rest of the year doing?

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Bear in mind that retirement can have some downsides such as:

Going from full-time work to retirement can be a huge leap.

So, to help you combat these drawbacks, think about trying out a new

hobby, starting a passion project or volunteering.

Think of something that you’ve always wanted to do, but have never

If you enjoy your work and crave regular social interaction, then

consider scaling back your work first for a while, instead of fully

retiring all at once. Slowing down to working one or two days a week

will not support your lifestyle, but it also gives you a sense of purpose

and ensures you have ongoing mental stimulation and routine.

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Create a bucket list (aim for at least 5 things)

Make a list of all the things you want to try in the near future.

This can include goals, physical activities, life experiences,

It doesn’t have to be perfect -just pop down every idea that comes to

If you're unsure, go for a browse down the isles of a bookshop or

library to see what sparks your interest.

Learning a language? a cook book? a travel book?

You'll soon see that the world is your oyster!

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SUPERANNUATION
Ensure yours is right for you
Are you with the same super fund that your payroll set up for you years
ago? Is it something you've been meaning to look into?
Most people don't understand Super, and so they leave it...
This means their money will likely be invested in the 'default' investment
option, which is a pre-determined, 'one-size-fits-all' approach.
But we know that everyone's retirement needs are unique, so it pays to
ensure your Super is invested to suit your time frame until retirement and
your tolerance to risk & market volatility.
Those with several years until retirement can usually benefit from having
their super invested in some higher growth investments, such as Property &
Shares. This is because there is time to ride out the short-term ups and
downs of the share market.
Whereas those who are very close to, or already in retirement, may prefer
to move their Super to a more conservative investment position, where
they hold some extra funds in defensive investments, such Cash and Term
deposits.
This provides the peace of mind that the super fund holds a few year's worth
of income payments set aside in stable investments, which avoids the need to
sell down assets/units in a lower market, to fund living costs.
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Are you with the same super fund that your payroll set up for you years

ago? Is it something you've been meaning to look into?

Most people don’t understand Super, and so they leave it...

This means their money will likely be invested in the 'default' investment

option, which is a pre-determined, 'one-size-fits-all' approach.

But we know that everyone's retirement needs are unique, so it pays to

ensure your Super is invested to suit your time frame until retirement and

your tolerance to risk & market volatility.

Those with several years until retirement can usually benefit from having

their super invested in some higher growth investments, such as Property &

Shares. This is because there is time to ride out the short-term ups and

Whereas those who are very close to, or already in retirement, may prefer

to move their Super to a more conservative investment position, where

they hold some extra funds in defensive investments, such Cash and Term

This provides the peace of mind that the super fund holds a few year's worth

of income payments set aside in stable investments, which avoids the need to

sell down assets/units in a lower market, to fund living costs.

Women's Retirement Guide-1-12

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