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Your retirement

Join for retirement
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Find your rhythm in
retirement

Whether retirement is just a tick, or still a while away, we can help you find your new tempo.

With a strong history of long-term returns for our retirees[P6], our tax-free pay days with our Retirement Income Account, as well as our expert help and support - we can help you feel confident for your future.

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Where are you on your retirement journey?

Still in the building phase

  • Make sure you’re prepared to lead the lifestyle you want when you retire.
  • Learn how you can continue to grow your super now while you’re working, and get familiar with what retirement products are right for you, so you’re fully prepared to take the next step with confidence.
Preparing for retirement

Nearly ready to retire

  • Set yourself up for success as you move towards retirement. 
  • Understand how you can reduce your work hours and top up your salary with tax-free benefits.
  • Plus learn how to keep your money invested, so it continues to earn now and into retirement.
Getting ready to retire

Already retired

  • Manage your retirement income with ease online or through the Aware Super app.
  • Change how much you pay yourself and how often.
  • Splash out on big ticket items if you need.
  • You’re in charge of your money, so you get to work out your rhythm of retirement.
Managing retirement

Get your Retirement Bonus

When you open a Retirement Income account, you could be eligible for a Retirement Bonus. If you've reached 60 years of age and have been an Aware Super member for over 12 months, simply transfer your super from your Future 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 $12,350.*


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

See if you’re eligible
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Super accounts for all of life’s stages

  • Future Saver account
    This is for when you’re working. It’s where you or your employer can make before and after-tax contributions to build your super.
    Open an account
  • Retirement Transition account
    Open this when you’re ready to reduce your working hours, but receive a regular income. Use your super savings to pay some of your salary.
    Learn how it works
  • Retirement Income account
    This is for when you’ve retired from work, but not your pay days. Invest your super in a tax-effective way, while you enjoy regular payments.[M5]
    Learn how it works for you
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Lower fees for retirees

For our retirees with a Retirement Income account or Retirement Transition account, our new structure starting on 1 June 2025 means our fees have come down as much as 25%.[F7]

The reduction sees the asset-based administration fee go down from 0.23% to 0.17%, with the annual fee cap dropping from $1,500 to $1,300.   

That’s around $3,100 back in your pocket over retirement,[F8] so you have more money in your pocket to spend on the things you love.

Your retirement planning guide and checklist

Finishing your career and moving into retirement can be exciting and daunting - all at the same time. Understand your options and how you can reach your best retirement with our retirement guide. You’ll find:

  • Answers to common questions about retirement 
  • Stories from other members
  • Tools to help you plan ahead
  • Retirement planning checklist
Get the guide
Aware Super retirement guide

Not sure how you’re tracking?

Try out My Retirement Planner™, our retirement projections tool.
Try it now

Super performance backed by super awards

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See our awards

[P6] Aware Super's Retirement Income Conservative Balanced option return over 10 years to 31 March 2025. SuperRatings Pension Fund Crediting Rate Survey, March 2025. Based on the SRP25 Conservative Balanced (41-59) Index. Returns are after tax and investment management expenses but before the deduction of administration fees. Past performance is not an indicator of future performance.

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