Thinking about retirement?

Here’s how to plan your ideal retirement.

Whether you plan to keep working or retire one day, make sure you’re ready to make the most of your super.

We’re here to support you as you prepare for the next phase with confidence, guide your retirement planning and help you with any questions.

3 steps to start planning for retirement

Wondering when to start planning for retirement? It’s never too early or too late. View our resources for more tips on how to plan your retirement journey.

Know how much super you’ll need

There’s no magic number for how much you’ll need in retirement - it’s different for everybody. But there are a few things to consider, like your lifestyle, how much you have in super already and your eligibility for the Age Pension.

Take a super health check

Take the time to check in on your super. How is your balance tracking? Consider consolidating your super accounts to pay fewer fees - reviewing your insurance cover and investment options, and checking your beneficiary nomination is up to date.

Take action to boost your super

Not where you want to be? From salary sacrifice to voluntary contributions, there are ways to accelerate your super so you’re one step closer to your ideal retirement.

Your income in retirement

As you approach retirement, it’s time to start thinking about how you will fund your life after work and part of that is working out how to maximise your money in super.

Your super can pay you a regular income to fund the retirement lifestyle you’ve been looking forward to.

Your Retirement Income Stream

Transitioning to retirement

If you’re thinking of winding down, a Transition to Retirement Income Stream lets you use your super to top-up your income. You can also make salary sacrifice or personal deductible contributions, which could save you on tax*.

Transition your way

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

Retirement case studies

This page contains a range of hypothetical situations to help you explore different ways to approach retirement.

Each scenario highlights the kinds of decisions people like you may face as they journey into retirement and may help you feel more confident as you plan the retirement that’s right for you.

Read the case studies