The only person who knows if you will have enough super is yourself. And it all depends on what sort of lifestyle you want when you retire. The earlier you decide how you intend to live, the more time you’ve got to make it happen. So you should be asking yourself:

• How old do I want to be when I retire?
• How much do I need to live on?
• How much super do I currently have?
• And will I have enough to get me there?

Of course the lottery may be the way some people plan to fund their retirement, but there are many more practical ways to make sure you’re on track. These range from Co-contributions, ensuring you’re investing in the right option for you, increasing contributions and understanding tax benefits and breaks.

Reaching your goals

When can I access my super?