Forget FOMO. Here’s how to beat FORO (Fear of Running Out of Super)
It’s a common concern, but the good news is there are practical steps you can take today to feel more confident about your financial future.
1. Check how long your super could last
The first step is getting a clear picture of what you already have. Use our Retirement lifestyle calculator to see how long your balance might last and the income it could provide in retirement.
Knowing where you stand is the best way to plan ahead with confidence.
See how long my super could last
2. Boost your super balance before you retire
If there’s a gap between what you’ll need and what you’ve got, don’t panic. Even small extra contributions today - through salary sacrifice or personal contributions (after-tax) — can make a difference over time.
3. Review your super investment options
The way your super is invested has a big impact on how it grows. Take time to check your investment options — does it match your goals, time until retirement, and comfort, with risk?
The right investment strategy can help your super last longer. You can see how your super is invested by logging in to your Member Online account.
4. Get advice on your super that's included in your membership
You don’t have to work it all out alone. As a CareSuper member, you can speak with a Superannuation Adviser about your super at no extra cost — it’s part of your membership. You can speak with an Adviser about growing your super (and potentially saving on tax), reviewing your investment options, getting a snapshot of how your super is tracking to retirement and learning about income options in retirement if you are getting closer to making the change.
5. Want to get a bit more personal — get a Retirement Health Check
Not sure where to start with planning your retirement? Our Retirement Health Check is a simple first step. This is a quick, personalised session where you’ll get a “super-charged projection” of how long your super could last and what kind of income it may provide and a view on how much age pension you could receive. It’s a no-pressure introduction to financial advice that gives you clarity and confidence and helps you decide if more detailed advice could benefit you. There’s a fee of $425 but if you pay for it out of your super it’s $386.
Get your personalised snapshot
The bottom line
Information correct as at 26 August 2025.