Your Financial Health Check

Get your financial future off to the best possible start by completing this check of your financial affairs. In just a few minutes, you’ll see how you’re doing and whether you need help in any areas.

By having the full picture, you can take control of your finances and feel more confident about the future.

Your investments Including your super, how much money do you have invested? Less than $50,000 $50,001 to $150,000 $150,001 to $300,000 $300,001 to $500,000
Greater than $500,000 Unsure
What types of things have you got your money invested in? Savings/Cash Property Shares Super
Other Unsure
Are you confident you have enough expertise to maximise your money’s earning potential? Yes No
Are you satisfied your investments can weather the market’s ups and downs? Yes No

Spread it around Did you know by diversifying – or spreading your money across a range of investments –
you can reduce your investment risk? Yes No
Did you know you can diversify across high, medium or low risk investments depending on what you’re comfortable with? Yes No

Build it up Did you know you can utilise the equity you have built up in your own home to create wealth? Yes No
Did you know you can borrow money to increase the value of your investments? Yes No

Lifestyle Your total monthly expenses (loans, rent, food, education, clothing, entertainment etc): Less than $1,000 $1,001 to $2,500 $2,501 to $5,000 Greater than $5,000
If you were unable to work for three months or longer, because of an accident or illness, could you meet these expenses without a regular income? Yes No

Protecting your family Number of children you are responsible for: None One Two Three or more

If something unexpected occurred, could your partner afford a housekeeper or nanny to look after the children? Yes No Unsure

Are you aware some types of insurance can be paid for cost-effectively as part of a super fund? Yes No

Your debts Your total debts (mortgage, car loan, credit card, etc): Less than $100,000 $100,001 to $250,000 $250,001 to $500,000 Greater than $500,000
Would your current insurances (including those within super) be enough to pay off these debts, and keep your family secure? Yes No Unsure

Planning ahead How many years until you plan to retire? More than 15 Less than 15 Already retired Unsure
How much do you think you will need each year in retirement to cover your expenses? (for most people, this is about 60% of their pre-retirement income) Less than $30,000 $30,001 to $40,000 $40,001 to $50,000 More than $50,000
Assuming 20 years of retirement, are you saving enough (including your super) to cover your needs? Yes No Unsure

Get a super start How many super funds do you currently have? One Two Three or more
Did you know by consolidating your super into one fund you may be able to reduce fees and more easily see if you are on track with your savings goals? Yes No Unsure
Do you manage your superannuation as an investment? Yes No

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