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Set up your retirement
Nearly ready to stop working? Choose an account that’s right for you and see if you’re eligible for a Retirement Bonus. 
Open account See how it works
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Open an account

Open a retirement account

Whether you're thinking about working less or stopping work completely, we offer two types of accounts to help you make the most of your super. Invest your super in a tax-effective way, while you enjoy regular payments.[M5]

Retirement Transition account

If you’re still working but cutting back your work hours as you approach retirement, a Retirement Transition account could be a handy option for you.
How a Retirement Transition account works
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Retirement Income account

If you’re fully retired, then a Retirement Income account could be the answer. Turn your super into regular income, so you can keep getting paid regular income while your money stays invested, tax-free.
How a Retirement Income account works
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Set up your super for retirement

Giving up work and living off your retirement savings takes planning. And in retirement, you’ll have full control and flexibility over what you can do with your super - so deciding what to do with it is important.

For many Australians, super is the biggest part of their income in retirement. We can help you set up your retirement with confidence.

Choose the right investment options for your retirement
When your money stays invested it has the opportunity to keep growing. Learn about your options for investing in retirement. 
More on investing for retirement
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Set up when and how much you’d like to be paid
Planning your finances in retirement is easier when you know when your income payments will arrive. With a Retirement Income or Retirement Transition account, you choose when and how much you’d like to be paid.[M5]
See income payment calendars
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Get your Retirement Bonus

When you open a Retirement Income account, you could be eligible for a Retirement Bonus.[M6] If you’re eligible, your Retirement Bonus is:

  • Added automatically
  • Tax free
  • Based on how much you transfer, it could be up to $14,700.*
Check your eligibility
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Government Age Pension eligibility

Discover how the Age Pension can work for you in retirement to compliment your super savings. Calculate how much you could get if you’re eligible.
More on Age Pension eligibility
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Nominate a beneficiary

Super isn’t automatically included in your Will so you’ll need to nominate a beneficiary. Nominating a beneficiary for your super and retirement savings is easy to do in your online account. Maintaining up-to-date beneficiary information means your super can be shared the way you intend with less stress for the people closest to you in the event of your death.
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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Set up your retirement with help from an expert

You don't have to go it alone when you're getting ready to stop working. Book a check-in with a qualified financial adviser at no extra cost.[AD2]
Book a check-in 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

*Subject to eligibility criteria. Find out more via our Retirement Bonus page.

[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.

[M6] Eligibility criteria apply. The payment of the Retirement Bonus is at the discretion of Aware Super. We reserve the right to change or stop offering the Retirement Bonus at any time, without notice. The Retirement Bonus is calculated and applied at the time your Retirement Income account commences and may differ from any estimate you have previously obtained. If you withdraw 50% or more of your Retirement Income account starting balance within 12 months of opening the account, Aware Super reserves the right to deduct the Retirement Bonus from your Retirement Income account. Withdrawals include lump sum payments, rollovers, regular income payments, and one-off income payments.