Retirement isn’t the end. It’s the start of something new.

Aware Super

But for many Australians, this transition brings uncertainty.

The Aware Super State of Retirement report reveals that many still feel unprepared for what comes next. They’re concerned about their financial security and whether their money will last. They’re seeking clarity on how to make smart financial choices for both themselves, and their families. Many are turning to friends and family for advice rather than engaging with a super fund or retirement expert. And with cost-of-living pressures weighing heavily on people’s minds, financial confidence is directly shaping decisions – from when to retire, to how much to spend, and whether to return to work.

A successful retirement goes beyond financial security – though that remains fundamental. It’s about feeling confident in the future, maintaining wellbeing in all its forms, and shaping each day on your own terms. It’s about having the freedom to explore new opportunities, whether that means traveling, taking up a new hobby, or simply enjoying the peace of knowing you’re in control of your future.

The Aware Super State of Retirement report explores the realities of modern retirement: the concerns Australians face, the aspirations they hold, and the support they need. More importantly, it highlights the role that knowledge, preparation, and confidence play in helping people shape their own unique retirement journey.

Where are you on your retirement journey? Get help on your retirement journey or check out our My Retirement Planner – more than just a super calculator, it provides a snapshot to see how close you are to reaching your goals.

General advice only. Consider your objectives, financial situation, or needs, which have not been accounted for in this information and read the PDS and TMD at aware.com.au/pds before acting. Issued by Aware Super Pty Ltd (ABN 11 118 202 672, AFSL 293340) trustee of Aware Super (ABN 53 226 460 365).