Free Retirement Readiness Quiz

Retirement Readiness Quiz

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First Name *

How clearly can you picture what your day-to-day life looks like in retirement?

I haven't really thought about it in any detail yet
I have a rough idea but it's still quite vague
I have a fairly clear picture forming
I can see it clearly — lifestyle, activities, where I'll be living

How confident are you that you know what retirement will actually cost you each year?

I haven't looked at this at all
I've made a rough guess but haven't worked through the numbers
I have a reasonable estimate I feel fairly comfortable with
I have a detailed picture of my expected retirement expenses

How well do you understand where your super is invested and how it's performing?

I'm not sure — I don't look at it often
I know the basics but haven't reviewed it recently
I have a reasonable understanding and check it periodically
I review it regularly and understand how it fits my retirement timeline

How confident are you that your current savings trajectory will support the retirement you want?

I genuinely don't know
I'm a little concerned but haven't done anything about it yet
I think I'm on track but I haven't stress-tested it
I've modelled it and feel confident I'm heading in the right direction

How clear are you on your current household cashflow — what's coming in, what's going out?

I have a general sense but no real clarity
I know the broad strokes but the detail escapes me
I have a reasonable handle on it
I have a clear picture and actively manage it

How confident are you about your debt position heading into retirement?

I haven't thought about how debt fits into my retirement picture
I'm aware of it but haven't made a plan around it
I have a plan and I'm working through it
I feel comfortable with where my debt position will be by retirement

How clear are you on your overall wealth picture — including super, property, savings and anything else you've accumulated?

I haven't really taken stock of everything I have
I have a rough idea but haven't looked at it as a complete picture
I have a reasonable sense of where I stand overall
I have a clear view of my overall wealth position and how it fits my retirement

How recently have you thought about whether the way your money is invested still makes sense for where you are in life?

I haven't really thought about this
It's been a while — probably overdue
I've thought about it reasonably recently
I've reviewed it recently and feel it still reflects my current stage and goals

How confident are you that your personal insurance arrangements still reflect your current life and needs?

I'm not sure what I have or whether it's still appropriate
I know what I have but haven't reviewed it in some time
I've had a look at it reasonably recently
I've reviewed it and feel confident it reflects where I am now

how confident your

How comfortable are you that your estate and personal legal affairs are in order?

This is something I know I need to address but haven't yet
I have some things in place but I'm not sure it's complete or current
I believe the key things are in place, though it could do with a review
I'm comfortable that my affairs are current, documented and reflect my wishes

How much thought have you given to the transition from working life to retirement — practically and emotionally?

Mostly I've focused on the financial side — the personal side hasn't come up much
I've thought about it a little but it still feels distant
I've given it reasonable thought and have some ideas
I've thought about it seriously and feel genuinely prepared for the transition

Overall, how do you feel about the retirement you're heading toward?

Uncertain — there's a lot I haven't figured out yet
Cautiously optimistic — but I know there are gaps
Fairly confident — I just want to make sure I haven't missed anything
Confident — I can see it clearly and I'm ready

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Important Disclaimer!

Joshua Kozis is an authorised representative of Financial Streams Services Pty Ltd (AFSL 539661 | ABN 40 657 764 166). The information provided here is general in nature and does not take into account your personal circumstances. Before acting on any information or relying on any tools available on this site, you should seek personal financial advice tailored to your situation. For more details, please download the Financial Services Guide (FSG) for Joshua Kozis (Authorised Representative No. 1270955) found under the ‘handy downloads’ menu.

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