I’m 65, and I want to retire in two years. How should I invest $200k?

March 8, 2026 — 4:01am

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Could you suggest how to invest $200,000 from a maturing term deposit? I am 65, debt-free and have $500,000 in accumulation super. Commentary online seems to favour super, but as the stock market is close to record levels, and I plan to retire in two years, is this advisable if the market falls significantly between now and then?

All going well, your superannuation savings have around a 30-year lifespan from this point. When you retire, it will switch from accumulation mode to pension mode. If you work with an advisor, there will likely be some changes to the investment allocation, but largely your retirement savings will continue on as they were.

The key change will be that now, rather than receiving contributions from your employer regularly, the fund will instead pay an income out to........

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