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.
When is the right time to retire? What will your retirement look like? How much money will you need – and how long will it need to last? This selection of resources will help you get up to speed with the basics.
When will you retire? What will you do? How much will you need? We look at some of the retirement basics
You’ve spent years building up your super – so how do you access your money once it’s time to retire?
It’s the golden question – but the answer is different for everyone. These tips and tools will help you determine what you’re aiming for.
Get across the investment basics and understand your options when it comes to investing your retirement savings.
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.
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 moreWhat does your pathway to retirement look like? Not sure where to start? We can help at no extra cost.
If you’ve got questions about when you can retire, or what to do once you get there, our Retirement Centre is here to provide you with personalised one-on-one support. We can:
answer your questions and walk you through your retirement options
provide you with general advice to help you make more confident decisions
connect you with our financial planning services if appropriate.
Call us on 1800 777 060 or or use this form to book a time to speak with our team today.
Have a general enquiry? Contact our Helpline.
Complete the form below and our team will be in touch
You know where your income is coming from today, but where will it come from when you’re ready to embark on your next chapter?
A handy guide to sources of income in retirement and how they can work together.
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Explore the different types of retirement income streams and how they work.
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Transition to retirement strategy – how it works and some key benefits.
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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.
Getting a little support and guidance from the experts can make a big difference when it comes to choosing the right products for your next chapter and helping you make the move to retirement in the way you want to. And our team is here to help.
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