Whether you’re just starting out, or approaching your golden handshake, superannuation is not something to be taken lightly. The super guarantee rate will gradually increase to 12 per cent by 2019, but it’s probably not a great idea to rely on this alone.

It is estimated you may need up to 60% of your pre-retirement salary in superannuation to enjoy the lifestyle you want after work, so educating yourself and making regular extra contributions is a safe bet.

If you’re in a position to do so, exploring extra investment opportunities beyond your Super can pay off. However, if you haven’t invested before, there’s no shame in asking for some advice.

Reaching out allows an expert to help you assess your short and long term goals, review your current financial situation and decide on the right investments to help you achieve your goals.

Regardless of how much you plan to have saved when you retire, you shouldn’t ignore the fact that you may be eligible for benefits through Centrelink now that you’re no longer working.

For whatever reason, many retirees fail to take full advantage of their government entitlements, to their financial detriment. Getting in touch with an expert can help you know where you stand as far as Centrelink is concerned.

If you’re sitting on some money and are looking for a great value investment to help you plan for retirement, look no further than a Term Investment with Greater Bank.

With flexible terms to suit your needs, no monthly or account-keeping fees, a range of interest repayment options and the peace of mind of a Government Deposit guarantee*, a Greater Bank Term Investment may be perfect for you. You can even open an account online.

*Deposits with a combined total of up to $250,000 are covered by government guarantee.