Imagining your retirement can be exciting, even if it’s a long way off. Who doesn’t want more time to spend on hobbies, travel and with friends and family? If you’re in the know, you’re already aware – it’s important to have a plan if you want to hit your retirement goals. What you might not realise is that your plans need a bit of risk management built in if you’re going to get there.

Early in 2017, News Corp and Industry Super Funds did a study to try and see whether Aussies are ready for retirement . Spoiler alert: we're not. Only 21% of workers think they'll have no financial worries in retirement¹.

The kids have flown the nest and you’re rattling around in the family home. What do you do with all those spare rooms because you don’t really feel like renting them out on Airbnb. You might even wonder whether you’ve got too much house and not enough super.

Now, you’ve got a chance to change that. Thanks to a government initiative (announced as part of the May 2017 Budget) if you’re 65 or over you can sell your house and put the money into super.

The rising costs of living mean we’re being forced to spend more on essentials each year. The ABS 2017 Household Expenditure Survey shows that we’re spending $190 more per week than six years ago.