Because everyone is different, it’s important to think about your personal circumstances and what you want out of life before you make any decisions.

This simple checklist will help you with your exploration.

• How long have you been a member of the CSS?
   
• How much have you contributed in the past?
   
• Do you plan on working in the public service for the remainder of your career?
   
• When do you want to retire?
   
• How much super are you likely to have if you retire at this time?
  Use the i-Estimator to find out.
  
  
• Will you have debts to pay off when you retire?
   
• What sort or lifestyle do you want to lead in retirement?
   
• How much super will you need to lead that lifestyle?
  Have a look at the ASFA retirement living study to get an idea.
   
• What affect would changing your contribution rate have?
  Use the i-Estimator to find out.