October 09, 2025

Luke on 2CC – How much do I need in super to retire? There’s a better question to ask to help you retire with peace of mind.

16 minutes

Financial Planner Luke Smith joined 2CC Talking Canberra in Money Matters, which aired live on Friday 3 October 2025. The topic for this week is: How much do I need in super to retire? If you’re in your 20’s and 30’s, retirement might seem like a long time off. If you’re in your 40’s, 50’s or 60’s plus, then it’s something you should start thinking about. With more time on your side, you have more superannuation and financial planning strategies available to you. Luke is joined by Leon of 2CC.

Thank you for joining us live on 2CC, YouTube, Spotify or your favourite podcast streaming service for ‘The Strategy Stacker – Luke Talks Money’.

Key topics covered include:

Luke begins the podcast by asking listeners to ask the right questions – “How much do I need in super to retire?” isn’t a great question.

Ask “What do I need to generate retirement income?” rather than “How much do I need in super to retire?”

Think more wholistically about the ways you can generate your retirement income.

Superannuation is just one resource. What other resources do you have? Eg, Investment property, business interests?

Is it also time to re-think part-time employment as part of your retirement to earn an extra $25k? It’s often easier solution than saving $500k more into your super.

Everyone wants their super to keep going up with high positive returns, but it’s important to remember there will be periods where this doesn’t happen, given the kinds of assets your superannuation is invested in.

Also think about role of investment properties in retirement, and in particular, how much income it generates.

The best question you can give your financial planner is “This is how much I need to live on in retirement”.

This question allows someone like Luke to work backwards and think about the strategies they can use to help you achieve your desired result.

People seek advice for peace of mind and clarity; they also realise that somethings might need to change between now and retirement to achieve their goals.

When it comes to generating income there are two questions you should ask of your investments – Why have I got it? What’s it doing for me?

There are really important questions for those who have investment properties, you’ve probably made a great capital gain, but how’s the income looking?

Luke shares his top tips to consider when thinking retirement planning.

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Our podcast is also available on Apple Podcasts, Spotify and YouTube – ‘The Strategy Stacker – Luke Talks Money’

Do you need help with retirement strategies to achieve your retirement income needs?

Thinking about retirement planning? The better question is “What income will I need in retirement?”. Make an appointment to meet with Luke to talk about strategies to help achieve your retirement income needs.

Luke as a Financial Planner can help you set up a financial planning strategy to help you achieve your personal financial goals, including investment, super and retirement (including transition to retirement). Simply make an appointment to confidentially discuss your goals. Call Envision Financial Services on 6260 4749. You can use the contact us form to make an appointment, for a confidential discussion about your own goals and situation.

Luke will return to 2CC to talk about other ‘Money Matters’ next week, we hope you can join us. You can also catch up with ‘The Strategy Stacker – Luke Talks Money’ podcast at a time that suits you.

We look forward to your company again. Luke’s book Smart Money Strategy is out now.

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By Luke Smith