Your step by step video guide
Watch these short videos and follow our simple instructions to get an accurate snap-shot of what your retirement income may look like.
Speak to an expert when it suits you
Are you:
- Looking to speak with a retirement expert to guide you through the journey or discuss your results?
- Looking for ways to contribute more and boost your retirement income?
Whether you need expert guidance to put your retirement advice into play, or simply have questions, we're here to help. Request a virtual appointment at a time that suits you at no extra cost.[AD2]
Getting started
Before you jump into Retirement Manager, you’ll need a few details like your super balance, income sources, savings, investments, debt and personal assets.
Step 1: Add your financial details
Information that’s already linked to your account is pre-filled for your convenience. All you need to do is add your other financial details regarding your income, debt and expenses. Include your partner’s details too, if you have one, for a more accurate outlook.
Step 2: How to select a retirement lifestyle and income goal
In this section, you can set your income goal for retirement. This is the total amount you’d like to live on each year, combining income from your super, the Age Pension, and other sources.
Step 3: Fine-tune the details of your retirement plan
Check the long-term projection of your retirement income and how you draw down your balance. Make adjustments by adding lump sum contributions or checking different investment strategies. You can also add big ticket spends like travel, renovations or financial gifts to family to see how they impact your future finances.
Next steps
Put your plan in place
Once you’ve finished these steps, you’ll receive your personalised Retirement Plan. Your plan is a Statement of Advice that sets out our recommendations and step on how to implement them. You can access your plan anytime through your Member Online Inbox.
Your Retirement Plan includes actions you can take including how to:
It’s a good idea to use Retirement Manager at least once a year or whenever your circumstances change. That way you can get an accurate figure on what you can live on to lead your best life in retirement.
Frequently asked questions
Retirement Manager[AD1] is a simple, interactive digital advice platform that helps you:
- Understand how much income you could receive from your super, the Age Pension, and other sources
- Understand how long your income could last
- Explore different income options, including a personalised “Maximised to last” option
- Start or review a Retirement Income account
Retirement Manager is for anyone aged 60 or over who’s thinking about retirement, or already drawing a retirement income. If you have a partner, please ensure you include their details too. This important step ensures the modelling reflects your full household income.
It takes around 10–15 minutes to complete and gives you a personalised retirement plan at the end.
You’ll need your super balance, any other income sources (like the Age Pension or investments), savings, debts, and everyday expenses. If you have a partner, their details can be added too.
This tool may not be right for you if:
- You are under age 60
- You hold a Defined Benefit Account, Transition to Retirement Pension, annuity or foreign pension
- You receive government benefits other than the Age Pension
- You’re currently claiming or intend to claim insurance benefits
You’ll receive a personalised retirement plan outlining:
- Your estimated retirement income and how long it may last
- Recommendations for improving your outcome
- An action plan for next steps
A copy is also saved in your Member Online Inbox. We recommend reviewing it yearly or whenever your circumstances change.
Yes. Rest assured, the information you provide to us is secure.
It’s a smart, personalised calculation showing the highest income you can draw in retirement with a high level of confidence that it will last through to age 95.
Yes – you can adjust your income target, add one-off goals (like travel spend), or test different investment strategies to see how they affect your outcomes.
Your Income Confidence Score is a score out of 100 and is a simple way to understand how well your retirement plan may support your target income in retirement. Taking into account the ups and downs of the investment market, it considers both how long your super lasts and how much of your income goal you're likely to meet overall – giving you a balanced view of your retirement income sustainability, enabling you to make more informed decisions.
Yes. You can:
- Book an appointment with our advice team at no extra cost at any point during or after using the Retirement Manager.[AD2]
- Get validation of your plan or walk through the journey together if you prefer guidance.
You may be able to access your super from age 60, depending on your age and work situation - this is known as a condition of release. If you are 65 or over, you can access your super whenever you’d like. Learn more
Once you become eligible to access your super, there are a few options you can use it for retirement income. You can do one or a combination of these options:
- Move your super into a retirement account to receive a regular income
- Leave your super where it is to continue accumulating
- Withdraw your super balance as a lump sum