Ready to Retire? Check How to Get Ready to Secure Your Future

Make your super work hard for you in retirement

Are you ready to retire with confidence? View our resources for more tips to prepare you on your retirement journey.

Organise a steady income

Our retirement income stream lets you enjoy flexible, tax-free * income payments from your super, as well as lump sum payments when you need them. Your balance stays invested so your money keeps working, even when you're not.

Check your eligibility for the Age Pension

Check to see if you’re eligible for Government benefits, such as the Age Pension. More than 60% of us rely on the Age Pension to help bridge the gap between what you have and the income you need.

Choose the right investment option for retirement

Whether you open an income stream or leave your super accumulating, take the time to consider your investment options and decide whether it's still appropriate for you.

Am I ready to retire? Not quite?

If you’re just thinking of working a bit less, a transition to retirement income stream lets you use your super to top-up your income once you reduce your working hours. You can also make salary sacrifice or personal deductible contributions, which may be tax-effective* for you.

Transition your way

*We provide general tax information relating to superannuation. We recommend you seek tax advice from a professional tax agent.

Ready. Set. Retire.

If you’re ready to stop working, check in with our super specialists.

We’re here to help you transition with confidence.

Book a chat

Turn your super into a regular tax-free income with an income stream account

To start withdrawing regular income from your super, simply open a retirement income stream account and transfer some, or all, of your money from your super account.

Note that tax-free income applies for ages 60 or older. Tax offsets may apply for ages under 60, depending on eligibility.

Open an income stream

Where to next?

Use our resources to help you find your next steps on your retirement journey.

Already retired?

Preparing for the future is easier with a retirement income stream. Now you can plan ahead knowing that regular payments are coming from your income stream account.

Use our retirement budgeting calculator

Simply fill in some details about yourself and your ideal retirement lifestyle, and our super retirement calculator can give you a personalised estimate of the super you may need if you're retiring in Australia.

A big misconception about super

Retirement is something that most of us look forward to. Often though, there’s a misconception that when the big day arrives, you have to withdraw all of your super.

Go to the retirement hub

*From age 60 and over, generally no tax is payable on withdrawals from your super in retirement. Under age 60, tax may apply on withdrawals.

The information shown on this website contains general information only and does not take account of your personal circumstances. You should obtain personal advice where appropriate. Prime Super Pty Ltd ABN 81 067 241 016 AFSL 219723 RSE L0000277 is the Trustee of Prime Super ABN 60 562 335 823 RN 1000276. The Product Disclosure Statement (PDS) and Target Market Determination (TMD) is available at primesuper.com.au/pds or by calling 1800 675 839.