Apply for a Retirement account in 20 minutes
Our Retirement Income account offers tax free earnings and tax free withdrawals for members aged 60 or over, so you can spend your hard-earned retirement savings on the things you love.
Complete an eligibility check
You need to be at least 60 years old, an Australian citizen, resident or holder of visa subclass 405 or 410.
Become a member
Join Aware Super, get your details verified and choose a username and password so you can log in and transfer your money in.
Set up retirement account
To open the account you’ll need at least $20,000 which you’ll transfer over from your existing super fund.
Everyone’s situation is different, and we haven’t considered your financial situation. So, before deciding about joining, you should read our product disclosure statement and Target Market Determination and consider your own personal circumstances to decide if this is the right thing for you. These documents are available on our website at Important documents or call us and we’ll send you a copy.
Retirement just a tick away? Aware Super can help.
As Chant West’s Pension Fund of the Year in 2024 and 2025[A2], we’ll keep working hard to grow your future – long after your working life slows down. Aware Super is one of Australia’s largest profit-for-members super and retirement funds. Over 1.1 million Aussies already trust us to invest their superannuation savings.
Pay yourself a regular income, tax-free!
A Retirement Income account offers tax free earnings and tax free withdrawals, so you can spend your hard-earned retirement savings on the things you love.
Choose how much and how often you’d like to receive payments from your super. Get it paid into your nominated account, so it’s just like payday.[M5]
6.87% p.a. returned over 10 years
Our Retirement Income Conservative Balanced option delivered a 6.87% p.a. return over 10 years to 31 March 2026.[P6]
Super helpful services and benefits for when you’re approaching retirement
Get expert help at any life stage
Online, over the phone or in person - we have advice[AD1] and guidance available. We'll help you save, invest and live the life you want.
Use our retirement calculator
More than just a retirement calculator, My Retirement Plannerᵀᴹ estimates how much you’ll need in retirement based on your current situation and future lifestyle goals. Plus, get a step-by-step action plan.
Attend a webinar or seminar
To better understand your options in retirement, hear from our retirement experts.
Discover our super helpful tools
Our range of digital tools and calculators can help you get on your way to achieving your savings goals, set up a budget, check your insurance needs, and plan for retirement.
Download our mobile app
The Aware Super mobile app gives you anywhere, anytime access to your retirement account.
Not quite ready to retire?
A transition-to-retirement account lets you withdraw your super savings as regular income while you’re still working.
[A2] Visit aware.com.au/awards for awards information. Awards and ratings are only one factor to be considered when choosing a super fund.
[A6] Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872 / AFS Rep No. 1280401 Chant West Awards issued 27 May 2026 are solely statements of opinion and not a recommendation in relation to making any investment decisions. Awards are current for 12 months and subject to change at any time. Awards for previous years are for historical purposes only. Full details on Chant West Awards at https://www.chantwest.com.au/fund-awards/about-the-awards/
[AD1] Advice provided by Aware Financial Services Australia Limited (ABN 86 003 742 756, AFSL 238430), wholly owned by Aware Super.
[C1] Before consolidating, consider if this is right for you, including the loss of any insurance cover from your other funds, the impact on your investments, and potential tax implications and read the PDS and TMD at aware.com.au/pds. You may wish to speak with a qualified financial planner before making this decision.
[I6] Retirement income and investment earnings are not guaranteed. Payments will cease once the account is depleted.
[M5] Retirement income and investment earnings are not guaranteed. Payments will cease once the account balance is depleted.
[P1] Aware Super's High Growth option return over 10 years to 31 March 2026. SuperRatings Fund Crediting Rate Survey, March 2026. Based on the SR Growth (77-90) 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.
[P6] Aware Super's Retirement Income Conservative Balanced option return over 10 years to 31 March 2026. SuperRatings Pension Fund Crediting Rate Survey, March 2026. Based on the SRP 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.
* Subject to eligibility requirements.