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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[M5] 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 6 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 $14,000.*


*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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Explore your Retirement Guide

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
Explore the guide
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Not sure how you’re tracking?

Our digital advice tools help you maximise your savings and plan your income in retirement.[AD1]
Start planning

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 December 2025. SuperRatings Pension Fund Crediting Rate Survey, December 2025. 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.

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