What does a negative retirement income in the results mean?

This means that based on the current financial circumstances (current investments, super contributions, savings, withdrawals and risk tolerance) the legacy goal stipulated is too high. Observe the Retirement Income Vs Legacy trade off chart as a guide to what income and legacy outcomes are possible. Adjust the retirement income goal, risk tolerances (certainty level or shot term fluctuations), increase super contributions or other savings or utilise home equity if it’s expected to have equity available in the home.