Research and insights to help Australians and their advisers plan confidently for the future.
Our 2026 Rethinking Retirement Report
Now in its third year, this research looks at how Australians expect retirement to unfold, and how those expectations compare with reality. This year, we explore contemporary and emerging issues, including the mental load of retirement and generational differences in how Australians seek support with their retirement planning.
What Australians think about retirement
Steady progress
51% of Australians feel prepared for retirement, a steady improvement over three years.
The rising cost of retirement
Australians expect they’ll need an extra $183,000 to retire, compared to our previous survey.
Advice builds confidence
Over three-quarters of Australians with an adviser feel prepared for retirement, compared to 45% of Australians without an adviser.
Tips and tools to keep you on track
To help you plan for your financial future, we've included resources such as calculators, checklists and CFS insights in this year's report.
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Disclaimer
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products. Information on this webpage is provided by AIL. It may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at https://www.cfs.com.au/tmd which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at www.cfs.com.au or by calling us on 13 13 36.