Planning your retirement

You've been building your super steadily for most of your life, and there comes a point, when it's time to make that super yours. It's worth knowing when your super will start paying you an income and help you to retire on your terms.

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Central to retirement planning is making sure your super is optimised to give you a regular income to live a great life after work.

Whether you’re just starting to plan for life after work or you’ve already retired, the decisions you make now will have a big impact on the next stage of your life.

Taking control of your super can set you up for a great life after work, but most of us need help to understand what to do and when. After all, we don’t know what we don’t know.

Starting to think about and plan for your life in retirement before you actually stop working is ideal, because as you get closer to retirement, you may have to double your efforts to save more super in a relatively short time. And if you have already retired, your focus may be on making the most of your super balance.

You may find yourself in one of these scenarios:

  • You’re still working full time and want to save more towards your retirement which is just a few years away.
  • You’ve already retired and want the flexibility to use your super balance as you want.
  • You’ve already retired and want to make sure your super lasts for as long as possible.

Central to retirement planning—and to each of these scenarios—is making sure your super is optimised to give you a regular income to live a great life after work.

Generally, this means one of two options:

  1. an income from super while working or
  2. an income from super after retiring.

With a Transition to Retirement strategy, you can keep working while building your super, and still receive a regular income. It's also a great way to reduce tax and make your super last.

Another option is to have an account-based pension, so you can get a regular income—usually on a monthly, quarterly, half-yearly or yearly basis, until your account balance runs out.

We’re here to help you make the choice that is better for your financial position and the retirement lifestyle you desire.


What's next?

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Why choose us?

There are plenty of reasons why you can trust us to manage your super and help you achieve a great life after work.

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Regular income in retirement

Also known as an account-based pension, this pays you a regular amount from your super and the rest stays invested.

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Transition to retirement

Designed to help you ease into retirement, it grants access to super while you’re still working.


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For further information about the methodology used by Chant West, see