Future Ready Score

Future Ready Check is our in-app digital advice tool for Future Super members. It’s an interactive, self-guided journey that shows you exactly where you stand with your super and how to build a stronger retirement strategy, in three simple steps.

Future Ready Check takes you through three simple steps:

1. Score – Answer a few questions about your super to get your Future Ready Score (out of 100), showing where you stand today.
2. Match – Discover your best investment fit based on your goals, life stage and risk comfort.
3. Optimise – Unlock contribution strategies to grow your super balance, with tailored recommendations you can put into action straight away.

Complete all three steps and you’ll receive your personalised Future Ready Plan, including a Statement of Advice.

Future Ready Check is available in the Future Super app for members but there are a few exceptions.

• Members that do not have a super balance yet will not see the tool in-app.
• Members with a super balance over $2 million will not see the tool in-app.
• Members aged over 67 will also not see the tool in-app.

This is because regulatory limits and advice rules mean the tool is designed for members earlier in their super journey.

On average, it takes under 30 minutes to complete all three steps of Future Ready Check, but everyone is different and you can go at your own pace.

By the end, you’ll know:

• Your projected retirement balance and income
• Whether you’re on track, ahead or need to boost your super
• Which investment option suit you best
• Practical ways to increase your super without breaking the bank

Future Ready Check is included in your Future Super membership. No extra cost.

Just clarity and confidence in your super, showing you exactly where you stand with your super and how to build a stronger retirement strategy. For more information on who can access Future Ready Check, see here.

1. Download and log into the Future Super app
2. Tap Future Ready Check on the home screen
3. Start your journey, it should take less than 30 minutes

There are some instances where we will suggest other ways to receive advice based on your current situation, as Future Ready Check isn’t quite right for you. We do this so you don’t waste time on advice that isn’t right for you. For example, Future Ready Check cannot provide you with advice if you:

• Are not yet a financial member (have $0 in your Future Super account)
• Spend more than 40% of your income on mortgage repayments
• Have an **income over $250,000 **
• Your partner is retired and you want to include them in your projection

If this happens, you’ll be guided to next steps, including the option to book a session with one of our coaches for one-to-one advice, included in your membership at no extra cost.

Chat with a coach to explore your results in your Statement of Advice at no extra cost. No jargon, just clear insights and we’ll break it down together.

Book a time here: futuresuper.com.au/coaching

During your Future Ready Check, you can update your details and try different scenarios. Your progress saves automatically, so you can pause and come back anytime. You can also restart from the beginning if you like.

You can download a Statement of Advice (SOA) after each step. You’ll receive a personalised recommendation after step 2 and 3 and your final SOA will be generated within two days (unless you download it straight away).

If you want to make changes, do so before your final SOA is generated. After it’s been generated, you can start again at any time.

**Why do I only have 2 days to complete? ** Advice needs to be provided in a timely manner so that it can be of use to you. We want to give you the opportunity to get the most out of this tool, and fresh advice that’s based on your current situation is a big part of that. We don’t want you to get incorrect advice if your position changes.

It's a score reflecting your retirement readiness, or how likely you are to meeting your desired retirement over time.

Your score is based on the information you provided: your salary, super balance, age, contributions, partner details, assets, debts, and your chosen retirement income target. If your projected retirement income falls short of your target, your score will reflect that.

It means your projected super balance and retirement income fall short of your stated target. The tool projects how far short in dollar terms.

If you haven’t already you can complete Steps 2 and 3 to see what strategies may work to improve your score. You can also reach out to the coach team for additional support and guidance

Yes, via the "Optional: Update your details" section. You must press "Run calculation" and then "View results" for any changes to flow through to your updated FRS. This section is locked once you've completed Step 2 or 3.