Welcome back to the Runway to Retirement Podcast, Episode 18.

In this episode, Rob McGregor breaks down the four biggest factors that determine how much retirement capital you actually need. Not just income, but the capital required across superannuation, investment portfolios, and other assets to fund the retirement you want.

Rob explains why two people aiming for the same retirement income can need vastly different amounts of capital, depending on how long they want their money to last, what legacy they want to leave or receive, and the returns they achieve on their investments. He walks through real examples showing how timeframes, investment approach, and spending patterns dramatically change the numbers.

You will also learn how conservative versus growth investing affects your required capital, how inheritance and housing decisions can change your plan, and why rules of thumb rarely reflect real life.

It is a practical, numbers driven episode designed to help you understand what truly drives your retirement target and how to make smarter decisions as you plan ahead.

Each Week Runway to Retirement will be exploring what it means for your journey toward a secure and enjoyable retirement. Whether you’re just starting to plan or already on your way, we’re here to share insights and perspectives to help you feel more confident about your future.

Learn more on our website: https://www.runwaytoretirement.com.au

Download our free guide The 5 Essential Steps to an Awesome Retirement here (bonus walkthrough video): https://www.runwaytoretirement.com.au/5ESARChecklist