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We’re preparing your 2024/25 annual statement, with delivery starting from 11 September. It may take a few weeks to arrive by mail or online. You can update how we send it to you in Member Online.ÌýMore information on your annual statement.

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Retirement planning guide
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Your guide to retiring with confidence

As you approach retirement age, it’s natural to feel a bit nervous about the changes that are going to take place. You might think, ‘Where do I start?’

Reading and completing this Retirement Guide can get you heading in the right direction. You’ll find four sections and a checklist to break down your retirement planning into easy-to-manage steps. And we’re always here to help. 


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Getting started

Planning for retirement can be a positive experience when you have the right support. We’re here to help!
Start with Section 1
Number 1

Life in retirement

Retirement looks different for everyone. Find out how to make it work for you.
Go to Section 2
Number 2

Retirement and part-time work

Is semi-retirement the first step for you? Find out how other Australians are taking this phased approach to their retirement, and how you can do it too.
Go to Section 3
Number 3

Your income in retirement

Our retirement expert answers some of the most common questions we get asked by members, like ‘How much will I need to retire?’ and ‘When is the right time?’
Go to Section 4
Number 4

Retire ready checklist

Here’s how you can break down retirement planning into easy-to-manage steps.
Download checklist
Retire ready guide and checklist

Member stories

Hear how some of our members have transitioned into retirement, and how we can help you.
Read member retirement stories
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Get your Retirement Bonus

When you open a Retirement Income account,[M5] you could be eligible for a Retirement Bonus.[M6] If you've reached 60 years of age and have been an 91ºÚÁÏ member for over 12 months, simply transferÌýyour super from yourÌýFuture Saver or Retirement Transition account, and we’ll do the rest. Your Retirement Bonus is:

  • Added automatically, if you’re eligible
  • Tax free
  • Based on how much you transfer, it could be up to $13,000.*


*Subject to eligibility criteria. Find out more via the button below.

See if you’re eligible
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Expert help to set up your retirementÌý
You don't have to go it alone when you're getting ready to stop working. Members can book a check-in with a qualified financial adviser at no extra cost.[AD1] [AD2]
Get a Check-in Join 91ºÚÁÏ

Super help online, anytime

Retirement tools and calculators

Our online digital tools help you plan and work out how much you need in retirement, based on the lifestyle you want and how long you need your savings to last.
Use the calculator
Calculator

Get a Retire Ready Check-in

Ready to retire now, or within the next 24 months? You can book a 45-minute Retire Ready Check-in with one of our expert financial advisers - all included as part of being an 91ºÚÁÏ member.[AD1][AD2]
Book a time
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Learn to make the most of your super

Find education events, resources and tools that make navigating your superannuation and retirement options super simple.
Visit Learn Hub
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[AD1]ÌýAdvice provided by Aware Financial Services Australia Limited (ABN 86 003 742 756, AFSL 238430), wholly owned by 91ºÚÁÏ.Ìý

[AD2]ÌýMembers can get advice about their 91ºÚÁÏ accounts at no extra cost, or advice on their broader needs for a fee.

°Ú²Ñ6±ÕÌýEligibility criteria apply. The payment of the Retirement Bonus is at the discretion of 91ºÚÁÏ. We reserve the right to change or stop offering the Retirement Bonus at any time, without notice. The Retirement Bonus is calculated and applied at the time your Retirement Income account commences and may differ from any estimate you have previously obtained. If you withdraw 50% or more of your Retirement Income account starting balance within 12 months of opening the account, 91ºÚÁÏ reserves the right to deduct the Retirement Bonus from your Retirement Income account. Withdrawals include lump sum payments, rollovers, regular income payments, and one-off income payments.