How Much Is Enough to Retire Comfortably?
The answer to this question depends on your lifestyle, health, location, and goals. There’s no one-size-fits-all number, but there are solid ways to get clarity.
Key considerations:
Annual spending: Estimate how much you’ll need each year, then multiply by 25 (the "4% rule" is a common guideline that many use - but please don’t think this is an accurate measure, it is simply a rough guideline).
Retirement age: The earlier you retire, the more savings you'll need to cover a longer retirement.
Expected income: Factor in NZ Superannuation, rental income, or pension plans.
Healthcare and long-term care: These often become major expenses.
The best way to find your number is to work with a financial planner who can create detailed retirement projections based on your personal situation. Knowing your target brings confidence—and a plan to get there.
Let’s Talk About Your Wealth Plan
No matter where you're starting from, we’re here to help you take the next step. Book a complimentary strategy session with our team and let’s turn insight into action.
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Legaseed NZ Ltd (FSP1005404) holds a licence issued by the Financial Markets Authority and provides financial advice in relation to financial & retirement planning, investments, KiwiSaver and personal risk insurance. Our disclosure information can be found on our website www.legaseed.co.nz, or is available on request and free of charge.
