Your retirement profile

Your account balance

Your Account balance consists of:

if you take your super today

Preserved Amount

(can be accessed at retirement)

Non Preserved Amount

Your non preserved component consists of:

Tax Free Amount

Taxable Amount

We estimate you will have

In {} you'll have

Retiring now with

income P.A

{}

of retirement income

{}

of what you need

Estimations:

The percentage “of what you need” is an estimate based on your projected final balance & the amount you need to provide the desired retirement income for 25 years. This income may not suit your personal needs (see Important information link below). Changes you make on this page won't affect your account & won’t appear on your dashboard.

Your Account balance consists of:

if you take your super today

Preserved Amount

(can be accessed at retirement)

Non Preserved Amount

Your non preserved component consists of:

Tax Free Amount

Taxable Amount

Click "more" below to see more sliders

Salary :

Default -

Desired income in retirement p.a. :

Default -

Retire at age :

Default -

Additional information about you

The more you can accurately tell us about your retirement goals, your contributions and your circumstances, the more accurately we can display retirement estimates and insights.

I am partnered

Yes No

I am homeowner

Yes No

I am self-employed

Yes No

Strategy :

Default -

Employer contributions (%) :

Default -

Member Contributions (%) :

Default -

Salary sacrifice contribution p.a. :

Default -

Member Contributions Per Week :

Default -

One-off contribution :

Default -

Adjust default returns by :

Default -

Investment fee :

Default -

Insurance and Admin fee :

Default -

Insurance fee :

Default -

Inflation (CPI) :

Default -

Important information

Choose the right fund for you

What fund you invest in is a very personal decision - get to know your inner investor with our Risk Quiz.
Find out here

Investing options to suit you

Investing regularly will help grow your account. Choose the option that works best for you and your whānau.
Ways to Save

Tax Rates

Ensuring your tax rate is correct can save you money. Check your details now.
Check your tax rate now

More Information- Retirement Projections

The estimates of your retirement balance, how much income you may need, and how long it may last, are not guaranteed, they are intended to help you consider whether you are on track to meet your savings goals. Your circumstances may be different to those reflected in the estimate. The estimates do not consider your personal objectives, financial situation (including other sources of income you may have) or needs. You should consider these matters and seek advice from a financial adviser before making any decisions concerning your retirement savings or making other investment decisions.

The figures are based on your age and period to retirement (in whole years), your current balance, and a number of default assumptions, which you can see by clicking on your Account Balance page. (Although you can alter the default assumptions on your account balance page, the Dashboard figures will not change). Because you are able to make changes to the default assumptions and include details specific to you, this projected balance may vary to that on your annual member statement (if applicable).

We have used the New Zealand Retirement Expenditure Guidelines (“the Guidelines”) published by the Massey Fin Ed Centre to inform the estimate of what income you may need in retirement. The Guidelines estimate the savings required to fund the gap between what you might spend in retirement, and the NZ Super you may receive. The Guidelines do not represent a recommended level of spending in retirement, but reflect actual levels of expenditure in retired households (defined as being where one form of income is from NZ Super, a war pension or other government pension) based on results reported in the Statistics New Zealand’s 2018/19 Household Economic Survey.

Mercer has used the Guidelines’ “Metro” budget (based on data for the Auckland and Wellington Regional Council areas and Christchurch City) and assumed a one-person household, to provide an estimate of a comfortable retirement annual income. We have adopted a position between the “Choices” and No Frills” budget, and used a benchmark of an annual retirement income of $46,000 per annum. For more information on the Guidelines, you can read the complete report which is available under the cost of living in retirement section here.

Inflation (CPI)

This is the rate of future price inflation relevant to the area you work and transact.

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Your retirement profile

Your account balance

Your Account balance consists of:

We estimate you will have

In {} you'll have

Retiring now with

income P.A

of retirement income

of what you need

Estimations:

Your Account balance consists of:

Click "more" below to see more sliders

Salary :

Desired income in retirement p.a. :

Retire at age :

Additional information about you

I am partnered Yes No

I am homeowner Yes No

I am self-employed Yes No

Strategy :

Employer contributions (%) :

Member Contributions (%) :

Salary sacrifice contribution p.a. :

Member Contributions Per Week :

One-off contribution :

Adjust default returns by :

Investment fee :

Insurance and Admin fee :

Insurance fee :

Inflation (CPI) :

Choose the right fund for you

Investing options to suit you

Tax Rates

More Information- Retirement Projections

Inflation (CPI)

Estimations Contribution caps

DAILY UNIT PRICING

I am partnered

Yes No

I am homeowner

Yes No

I am self-employed

Yes No