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Retirement Income Strategy
Our Retirement Income Strategy sets out our plan to help you make the most of your hard-earned retirement savings – and feel confident every step of the way.
Download our strategy
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What is Aware Super’s Retirement Income Strategy?

Retirement is one of life's biggest transitions. For many, it can be approached with relief, not knowing what to expect, excitement or a combination of these feelings.

This strategy sets out how we support you before, during, and through retirement. It’s built around three objectives set out under the Retirement Income Covenant, as required by the Superannuation Industry (Supervision) Act.

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Retirement income objectives

The Retirement Income Covenant requires super funds to have a strategy that helps members approaching retirement or in retirement. There are three key objectives to aim for:

Maximising your retirement income
Get tools and tips to help make the most of your super, retirement income, and the Age Pension.
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Flexible access to your money
Access your income and capital when you need it. Adjust as your life changes. Stay in control throughout retirement.
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Managing risks to your income
Plan for a longer retirement, balance growth and stability, and get guidance to help your income keep pace with rising costs.
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How this helps you in retirement

These four commitments shape everything we do to help you make the most of your super.

Lasting income confidence
  • Income solutions designed to help your money last longer in retirement
  • Help with how much to draw down, and when
  • Retirement options to help your grow your savings in retirement
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Support at key life moments
  • Targeted help for finishing work, redundancy, health changes, key ages
  • Support during the change from super savings to retirement spending
  • Timely prompts so you're not left guessing
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Expert advice and guidance
  • Digital tools: My Retirement Planner, Retirement Manager [AD1]
  • Access to guidance and advice services[AD2]
  • Help across key topics: transition to retirement, downsizing, Age Pension, insurance, wills and estate planning
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Personalised experiences
  • Tailored by your life stage, preferences and circumstances
  • Simpler, more intuitive retirement journeys
  • The right information at the right time, so retirement feels manageable, not overwhelming
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Want the full picture?
Download our Retirement Income Strategy to see how we support you to retire with confidence.
Download the strategy

[AD1] Advice provided by Aware Financial Services Australia Limited (ABN 86 003 742 756, AFSL 238430), wholly owned by Aware Super. 

[AD2] Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee.