Retirement income strategy

Retirement income strategy

We're all about helping you turn those retirement dreams into reality. After all, you've worked hard to build up your super savings, and now it's time to enjoy the fruits of your labour with confidence and peace of mind.

Here's the scoop: The government has introduced something called the retirement income covenant. What does that mean for you? Well, it means we're required to give you a summary of our Retirement Income Strategy (RIS). But hey, we see this as an amazing opportunity to showcase the awesome range of products and services we have to offer.

Our goal? To improve retirement outcomes for our awesome members—like you! We want to make sure you have everything you need to create your dream retirement. So, get ready to find the perfect fit for your retirement plans.

Our strategy

We're here to help you get ready for retirement and support you throughout this phase of life. Our Retirement Income Strategy (RIS) is designed with three key objectives in mind:

Dollar sign in cloud

We want you to be financially secure during your retirement years.

Coin stack and timer

You have control over how and when you access your funds in retirement.


We’ll help you to manage the risks to your retirement income remaining stable and sustainable, including longevity risks, investment risks and inflation risks.

We do this by giving you the information and support you need to achieve your retirement goals, including:

  • Retirement guidesfact sheetsPDS documents, and income estimates for our retirement products

  • Information on how you can maximise your income during retirement, what government assistance you could get, and the types of contributions you can make

  • Links to tools and calculators to help you work out your needs during retirement

  • rewards program that helps you save for retirement.

Your investment options

We want to give you the power to create your own future. So, you can choose from three different investment options.

Here's the cool part: Each option has its own return targets and levels of investment risk. That means you have the freedom to pick a single option that aligns perfectly with what you want to achieve and how much risk you're comfortable with. Or, if you’d like your investments to be more personal to you, you can mix and match options to create a customized portfolio that suits your individual needs.

Find out more about your investment options

Your income options

  • Regular income from an account-based pension

  • Ease into retirement with a transition-to-retirement account

  • Withdraw your super in one or more lump sum payments

If you’ve got enough money to keep you going, you can also choose to leave your retirement savings in your account to keep growing.

Learn more about our pension income payment options

Page last updated 1 December 2023