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Upcoming Planned Outage: We’re making important changes to our systems between 7 May (from 5pm) and 11 May (12pm midday). During this time, changes to your account won't be possible, but in most cases, you’ll still be able to log in and view your account balance. Find out more

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Manage your retirement

Already retired? Manage your retirement income and see if you're eligible for the Age Pension.

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Open an account

How to manage your retirement online

Now that you’ve retired and are getting an income from your super, you can access and manage your account with ease. With simple-to-use online tools, you’ll have more time to enjoy the lifestyle you’ve worked so hard to create. It’s your money and you’re in control.

Make extra withdrawals at any time

You can make extra cash lump sum withdrawals at any time on top of the regular payments from your retirement account. Learn about the advantages and considerations of withdrawing a lump sum from your retirement savings.
Learn more about withdrawing
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Choose or change your income payments

Once you retire and move some (or all) of your super into your Aware Super Retirement Income account, you’ll get paid a regular income from your super.[M5] Choose when and how much you want to get paid, according to the lifestyle you want to enjoy.
See when you'll be paid
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Switch your investment options

Review and change how your retirement savings are invested. Before you make a switch, it's important to make sure it's the right choice for your circumstances.

Switch investment options
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Get your Retirement Bonus

When you open a Retirement Income account, you could be eligible for a Retirement Bonus. Simply transfer your super from your Future Saver or Retirement Transition account, and we’ll do the rest.
See if you're eligible
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Want to return to work after retiring?

You’re not locked into retirement just because you’ve accessed your super. If you want or need to go back to work, you can. 
Learn how:

  • you can go back to work, and what to do with your super
  • returning to the workforce may affect your Age Pension eligibility, and
  • to make sure you’re still growing your super savings.
Learn more about returning to work
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Government Age Pension eligibility

Discover how the Age Pension can work for you in retirement to complement your super savings. Calculate how much you could get if you’re eligible.
More on Age Pension eligibility
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Choose what happens to your super

Nominate a beneficiary

Super isn't automatically included in your Will so you'll need to nominate a beneficiary to make sure your super can be shared the way you intend. Nominating a beneficiary and choosing who gets retirement savings is easy to do in your online account.
Learn about types of nominations
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Wills, estate planning and your super

Getting your Will and estate planning in order is an essential part of planning for the future – it's never too early to get started. 
More on Wills and estate planning
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Get help and advice

We can help - talk to a retirement expert at no extra cost.[AD2]
Talk to an expert Not a member? Join now

Need help or guidance?

Learn to make the most of your super

Find education events, resources and tools that make navigating your superannuation and retirement options super simple.
Visit the Learn hub

Explore your Retirement Guide

There’s a lot to think about and the decisions you make now could change the future you have. Start with your very own Retirement Guide.
Explore the guide

Super and retirement calculators

Our digital advice tools help you maximise your savings and plan your income in retirement, whether that’s 20 years away or you're already retired.[AD1]
Start planning

[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.