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But for many Australians, this transition brings uncertainty. This 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.

Our 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.

As one of Australia’s largest super funds, we’re trusted by over 1.1 million Australians with their retirement savings and financial future. At Aware, we put our members at the centre of retirement. We understand that while super plays a big role in their lives, it’s not the only thing on their minds. Retirement is a significant transition filled with important choices.

We know that simplifying super and making it easy to access expert help at the right time has an enormous impact on people’s confidence. We understand that delivering strong, sustainable returns—both leading up to and throughout retirement—provides the financial security to truly enjoy life on your own terms. And most importantly, we believe retirement should be defined by freedom, not uncertainty—the freedom to live the future you’ve dreamed of and, in fact, earned.

Read our State of Retirement report

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