Investment, Insurance, Superannuation
Investor Insights > News > Have your retirement goals changed?
September 2026
Retirement isn't a fixed destination. What you want from retirement today may look very different from what you imagined a few years ago.
Life has a habit of changing plans. Maybe you've changed jobs, paid off your mortgage, started helping family members financially, experienced a health change, or simply begun to think differently about how you'd like to spend your time.
That's why it's worth checking in on your retirement goals from time to time. The important thing to remember is that there is no single "right" way to retire. Your retirement should reflect what's important to you.
When your goals change, it's worth reviewing some of the building blocks that can shape your retirement, including:
A simple review can help you understand whether your current approach still supports the lifestyle you're working towards. Retirement planning can be daunting, but it doesn't have to be. We put together these 5 retirement planning steps to help you get started.
It can also be a good opportunity to ask yourself:
Reviewing your super doesn't necessarily mean making major changes. Often, it's simply about making sure decisions you've made in the past still support the life you want in the future.
As you move closer to retirement, you may find that strategies that weren't relevant a few years ago now become worth exploring.
For example, if you'd like to reduce your working hours rather than stop work completely, a Transition to Retirement (TTR) strategy may help supplement your income while allowing you to continue building your super.
It's also worth considering whether there are opportunities to boost your retirement savings in your final working years leading up to retirement. Depending on your circumstances, making additional contributions to your super can help increase the amount you have available when you stop working.
Other changes in your goals may prompt you to review your retirement timeframe, explore different contribution strategies, or rethink the balance between enjoying life today and preparing for tomorrow.
Want to learn more?
Read our article on smart ways to grow your super as you approach retirement.
It's easy to think of retirement planning as something you set and forget. But for most people, retirement is a moving target.
Moneysmart's Retirement Calculator can help you understand where you're at today and explore the steps you might take towards the retirement lifestyle you're aiming for. If your retirement goals have changed, it can be helpful to understand what those changes might mean for your future.
If you'd like more personalised support, a financial adviser or one of our Financial Coaches can help you navigate your options and develop a plan tailored to your circumstances.
If you're unsure about any aspect of your super, you don't have to work it out alone.
Financial coaching can help you better understand your super and the choices available to you, giving you greater confidence about your retirement journey.
Book a financial coaching appointment today
Because retirement isn't about sticking to a plan you created years ago. It's about making sure your plans continue to reflect the life you want to live.
Financial Coaches provide financial advice under the Australian Financial Services licence (AFSL) of Actuate Alliance Services Pty Ltd ABN 40 083 233 925 AFSL 240 959 (Actuate). OPC has appointed Actuate to provide general and limited advice services (which includes simple super advice) to members of relevant products in the Retirement Portfolio Service. OPC and Actuate are part of the Insignia Financial Group. Neither OPC, nor any other entity within Insignia Financial Group, including any other entity within the Insignia Financial Group that is a trustee for a regulated superannuation fund, is liable for or responsible for any work, action or advice provided by Actuate. For important information about Actuate's services which you should know before making a booking, please refer to Actuate's Website Disclosure Information.
This article has been prepared for OnePath Custodians Pty Limited (OPC) ABN 12 008 508 496, AFSL 238346 as Trustee of the Retirement Portfolio Service (ABN 61 808 189 263). OPC is part of the Insignia Financial group of companies comprising Insignia Financial Limited ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group).
The information in this article is current as at September 2026 and may be subject to change.
You should read the relevant Financial Services Guide (FSG), Product Disclosure Statement (PDS), Target Market Determination (TMD), Additional Information Guide (AIG), Investment Funds Guide (IFG), and product and other updates (for open and closed products) available at onepath.com.au and consider whether OnePath products are right for you before making a decision to acquire, or to continue to hold any OnePath product. Alternatively, you can request a copy of this information by calling Customer Services on 133 665.
Taxation law is complex, and this information has been prepared as a guide only and does not represent taxation advice. Please see your tax adviser for independent taxation advice.
Before re-directing your super or moving your money into your product, you will need to consider whether there are any adverse consequences for you, including loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid. Any investment is subject to investment risk, including possible repayment delays and loss of income and principal invested. Returns can go up and down. Past performance is not indicative of future performance.
The information provided is of a general nature and does not take into account your personal needs, financial circumstances or objectives. Before acting on this information, you should consider the appropriateness of the information, having regard to your needs, financial circumstances or objectives. The case studies used in the articles on this website are hypothetical and are not meant to illustrate the circumstances of any particular individual. Opinions expressed in this document are those of the authors only.