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Set up your retirement
Nearly ready to stop working? Choose an account that’s right for you and see if you’re eligible for a Retirement Bonus.Ìý
See how it works
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Open a retirement account

Whether you're thinking about working less or stopping work completely, we offer two types of accounts to help you make the most of your super. Invest your super in a tax-effective way, while you enjoy regular payments.[M5]

Lower fees for retirees

We’ve introduced lower fees for retirees with a Retirement Income account or Retirement Transition account, starting 1 June 2025. The asset-based administration fee has gone down from 0.23% to 0.17%, which works out to a reduction up to as much as 25%.[F7]

The annual fee cap has also dropped, from $1,500 to $1,300.

Retirement Transition account

If you’re still working but cutting back your work hours as you approach retirement, a Retirement Transition account could be a handy option for you.
How a Retirement Transition account works
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Retirement Income account

If you’re fully retired, then a Retirement Income account could be the answer. Turn your super into regular income, so you can keep getting paid regular income while your money stays invested, tax-free.
How a Retirement Income account works
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Set up your super for retirement

Giving up work and living off your retirement savings takes planning. And in retirement, you’ll have full control and flexibility over what you can do with your super - so deciding what to do with it is important.

For many Australians, super is the biggest part of their income in retirement. We can help you set up your retirement with confidence.

Choose the right investment options for your retirement
When your money stays invested it has the opportunity to keep growing. Learn about your options for investing in retirement.Ìý
More on investing for retirement
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Set up when and how much you’d like to be paid
Planning your finances in retirement is easier when you know when your income payments will arrive. With a Retirement Income or Retirement Transition account, you choose when and how much you’d like to be paid.[M5]
See income payment calendars
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Get your Retirement Bonus

When you open a Retirement Income account, you could be eligible for a Retirement Bonus. If you’re eligible, your Retirement Bonus is:

  • Added automatically
  • Tax free
  • Based on how much you transfer, it could be up to $13,000.*
Check your eligibility
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Government Age Pension eligibility

Discover how the Age Pension can work for you in retirement to compliment your super savings. Calculate how much you could get if you’re eligible.
More on Age Pension eligibility
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Nominate a beneficiary

Super isn’t automatically included in your Will so you’ll need to nominate a beneficiary. Nominating a beneficiary for your super and retirement savings is easy to do in your online account. Maintaining up-to-date beneficiary information means your super can be shared the way you intend with less stress for the people closest to you in the event of your death.
Learn about types of nominations
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Wills, estate planning and your super

Getting your Will and estate planning in order is an essential part of planning for the future – it's never too early to get started.Ìý
More on Wills and estate planning
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Set up your retirement with help from an expert

You don't have to go it alone when you're getting ready to stop working. Book a check-in with a qualified financial adviser at no extra cost.[AD2]
Book a check-in Not a member? Join now

Need help or guidance?

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 the Learn hub

Explore your Retirement Guide

There’s a lot to think about and the decisions you make now could change the future you have. Start with your very own Retirement Guide.
Explore the guide

Super and retirement calculators

Our digital advice tools help you maximise your savings and plan your income in retirement, whether that’s 20 years away or you're already retired.[AD1]
Start planning

*Subject to eligibility criteria. Find out more viaÌýour Retirement Bonus page.

[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.

[F7]ÌýAmount of fee reduction will vary based on account balance.