Robert rushford : Personal superannuation is money that’s put aside and saved while you’re working, so you can enjoy a regular income later in life when you retire. This is basically your saving for future life. No one knows what’s going to be in future. So we should start saving from the beginning of your career as super amount. These days, the average Australian may expect around 20 years of retirement. By investing money in a superannuation fund, you’re building a nest egg to live on when you’re no longer earning a wage. And the more you put away now, the more you’ll be able to spend in your retirement.