The best way to answer this is to understand your living and lifestyle habits and identify if your income meets your expectations.

If you are a home-owning couple and you both expect to live to age 85 and say your investments will return 6% per annum, after costs.
If you had a combined $650,000 at retirement, your investment balance could well be Nil at age 85.

If you want to retire at 50 your day-to-day expenses will need to be funded from personal savings or other investment income.

To qualify for the Centrelink Age Pension a person must satisfy the residential qualifications and have reached pension age. The current qualifying age for a male is age 65, gradually increasing to age 67, the pension age for women is also progressively increasing from 60 to 67 years.

Therefore retiring early will mean you will be unable to draw an age pension from Centrelink.



  • Members of Chartered Accountants ANZ and Financial Advisors
  • 30+ years in financial services, commercial and public practice
  • Licensed for Taxation, Audit and Authorised to provide Financial Advice
  • Authorised to provide Personal Financial Advice with appropriate taxation advice and guidance
  • Extensive experience with large and small business, family trusts, partnerships, SMSF’s, deceased estates and business restructuring
  • Specialise in self-managed super funds and provide accounting & tax, financial advice and audit services
  • Asset Management and Investment Advice
  • Personal Risk Insurance

  • Deposit Products
  • Managed Investments including Unit Trusts, Investment Bonds, Direct Shares, Property Trusts, Growth Funds, Balanced Funds, Indexed Funds and Cash Management Accounts
  • Share Market Investments
  • Tax Effective Investments
  • Superannuation, including Allocated Pensions, Rollovers, Personal Superannuation, Company Superannuation and Self Managed Superannuation Funds
  • Retirement Planning including aged care and estate planning
  • Life Insurance Products, including Annuities, Term Insurance, Income Protection, Trauma and Total and Permanent Disability Insurance
  • Investment Bonds