Morningstar retirement bootcamp

Morningstar's four part retirement bootcamp will run during July. As content and new recordings become available they will be posted on this page. 

Please send any questions to [email protected]. For invitations to future free bootcamps on a variety of investing topics join our mailing list. 

Module 1: Estimating retirement spending

The first of two modules that will help to estimate the amount of savings needed to support a desired lifestyle in retirement. In this module we have two objectives:

1. Estimate your retirement savings for the first year of retirement as a foundation to calculate the lump sum needed to retire
2. Understand the 4% rule as a foundation to estimate your personal withdrawal rate in retirement

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Relevant resources

• 4 steps to calculate how much you need to retire
• How much should I have in my super?
• The 4% rule explained

Module 2: Calculating the lump sum needed for retirement

In the second module we will use the first year retirement spending needs and a personalised withdrawal rate to calculate the lump sum needed for retirement. In this module the objectives is:

1. Estimate your retirement lump sum goal as a target for your savings goals and investment strategy

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Relevant resources

• Estimate the savings you need to retire
• How retiree spending plummets as we age
• How long will you live?

Module 3: The transition to retirement

This module focuses on the steps investors can take to prepare for retirement. In this module we have two objectives:

1. Understand the technical aspects of transitioning to retirement including different types of super accounts and ways to boost your super
2. Learn about approaches to take if your portfolio can't support your desired retirement outcome

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Relevant resources

• Are you paying tax by not starting a super pension?
• How to get a 0% tax rate on super sooner
• What if you don't have enough to retire
• Increase the certainty of retirement while maximising spending (flexible withdrawal method)

Module 4: Asset allocation in retirement

This module focuses on the options for investors that are approaching and in retirement. In this module we have three objectives:

1. Provide an overview of the traditional glide path approach to asset allocation in retirement
2. Provide an overview of a bucket approach to asset allocation in retirement
3. Provide an overview of a dividend-based approach to generate income to support withdrawals in retirement

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Relevant resources

• 2 charts to explain the trade-offs in retirement planning
• Is this a safe way to get higher returns in retirement?
• The three elements of a successful transition to retirement