Retirement is different for everyone – but we all have the same questions. How much do I need? How long will my money last? How do I access my super?
This page:
Highlights some common retirement questions (and the answers).
Shows you where to find more information about retirement.
Enables you to take the first step in your retirement journey.
A Transition to Retirement Income account gives you flexibility as you begin to move into retirement. It gives you the potential to scale back your work hours, reduce your tax, and continue to grow your super while maintaining your income.
Learn more
A Retirement Income account can provide you with regular income payments to support you when you fully retire. It can work alongside the Government's Age Pension, and you can tailor the frequency and the amount of your income payments to suit your needs and your retirement lifestyle.
Learn moreCall us on 1800 682 626 or use this online booking form to select a time that works for you – one of our specialists will give you a call when it’s time for your check-in.
What we’ll talk about
Exactly what we cover in your check-in will depend on your needs, and whether you’re nearing retirement or already retired.
Already retired? We can cover:
Let's start with your contact details
What might your retirement look like? Watch this helpful video to learn the simple questions you should ask yourself when beginning to plan your retirement.
Learn about super contributions, retirement, investing and more through interactive modules.
Learn about super contributions, retirement, investing and more through interactive modules.
Many retirees live on a combination of the Age Pension and superannuation savings, often using their savings to top up their pension to meet their lifestyle needs.
The balance of your superannuation plays a major role in determining how much Age Pension you may be entitled to receive though and it’s good to understand how it may affect you.
Learn more about the link between your retirement income, your assets and Centrelink’s Age Pension.
Wondering how long their savings will last is a common concern for many retirees. The reality is it depends on many factors relating to the lifestyle you wish to live and the way you invest your money.
For a quick snapshot about retirement incomes and how long your money might last try our account-based pension calculator.
How much a couple requires in retirement is dependent on several factors. These include what ages you both intend to retire and the lifestyle you wish to live in retirement.
Find out what a comfortable retirement looks like for a couple.
The short answer is yes. But there are conditions you need to keep in mind. Most importantly, contributions can only be paid into a super account. This may require a ‘pension reboot’ – you can learn more about this process via our contributing to super in the pension phase page. .
Learn more about contributing to super in the pension phase.
A transition to retirement strategy is an approach for individuals aged 60 and older to access their superannuation and use it in three different ways:
Learn more about a transition to retirement strategy.
For those wanting to ease into retirement at their own pace, a TTR Income account can be good option if you want to reduce work hours without a loss in income or take advantage of tax savings.
Learn about the benefits and disadvantages of a Transition to Retirement income account.
An allocated pension, also known as a Retirement Income account (or sometimes referred to as an account-based pension), is a retirement income stream that lets you draw a regular income from your superannuation. The terms can be used interchangeably.
Learn more about an allocated pension / account based pension / Retirement Income account.
The Age Pension provides financial support for millions of Australians during retirement. Centrelink determines how much a couple or a single person receive every fortnight through the Age Pension assets test and income test.
Learn more about the Age Pension assets test.
Along with the assets test, the income test is a key factor in determining how much Age Pension you may be eligible for. Centrelink uses deeming to determine how much income your financial assets produce.
Learn more about the Age Pension income test.
Learn more about deeming.
Deeming rates directly affect your Age Pension payments by estimating the income from your financial assets. Instead of looking at the actual income you earn from your financial assets, Centrelink estimates it for you. This estimated income is called deemed income and is based on the value of your financial assets.
Learn more about deeming.
Many Australians make the decision to start or join a self-managed super fund (SMSF), often motivated by a desire to have more control over their retirement savings. However, a SMSF isn't for everyone, and requires considerable time, effort, and commitment to run. There are a number of reasons why you might decide to wind up your SMSF, and a lot of things you need to think about.
Learn more about winding up a SMSF.
We’ve been helping members across Australia build their wealth and achieve better retirement outcomes for more than 90 years.
Our retirement offering is designed for our members and is built across the pillars of Engagement, Education, Assistance and Solutions to ensure the best possible outcomes for retirees.
We contact you at key milestones with information and recommendations to get the most out of your super.
Super and retirement guidance is available from our in-house specialists at no extra cost.
DIY tools enable you to model your personal situation, test different actions, and plan ahead.
Live seminars hosted by our experts allow you to ask questions. Online modules enable you to learn in your own time.
Our planners can provide you with personal advice such as tax-efficient contribution strategies.*
We have a history of long-term results with retirement products and investment options designed to suit your needs.
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