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How to make the most of your super in retirement

Whatever your path to retirement, learn more about the simple steps you can take to start preparing for life after work.

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  • Finance
  • Read Time: 5 mins

Key points

  • AustralianSuper has the expertise and planning tools to guide you on your path to retirement.  
  • AustralianSuper has a diverse range of investment options to suit your personal needs so you can make the most of your super. 
  • AustralianSuper is the winners of the Canstar outstanding value award for superannuation and account-based pension. Awarded most trusted super fund 11 years running2.

Whether retirement is just around the corner, or still a few years away, you want to get the most out of your super.

Everyone’s retirement story is different and AustralianSuper can help you build the retirement that’s right for you with expert guidance and access to financial advice.1

AustralianSuper can help you with online webinars, in-person seminars, tools and calculators. You can access limited, single issue personal advice from a team of qualified financial advisers over the phone, or for broader areas or more comprehensive personal advice, access to a team of professionally qualified financial advisors.

Plan with confidence

You can plan with confidence with the Super Projection Calculator which helps estimate how much money you could get in retirement, while the Transition to Retirement (TTR) Calculator can show you ways to boost your super or maximise your income while working part-time3.

If you’re still working but would like to access some of your super, you can start a TTR income account alongside your regular super account. Once you’ve reached preservation age (the age at which you can access your super), a TTR strategy lets you draw some of your super while you are still working.

You can start this process by opening a TTR income account alongside your regular super account. This way, you could save more before you retire or you could wind back on work, while topping up your take-home pay. It can all add up to a better tomorrow for you.

Investment options

AustralianSuper has a diverse range of investment options to suit your personal needs so that you can make the most of your super.

If you’re with AustralianSuper, you get access to a range of investments from around the world.

There are options for every type of investor – whether you’re hands-on or someone who’s happy to leave investment decisions to experts. You can choose from the PreMixed options to the DIY Mix or Member Direct investments.

Long-term performance

It’s important to choose the best in super, so whatever your journey, you can make the most of your super.

AustralianSuper is a top-performing fund. The Balanced options for Choice Income account has delivered an average return of 8.47% each year over the last 10 years to 31 October 20234.

Super is your money, and it’s important to invest in ways to help it grow. As Australia’s largest super fund, managing more than $300 billion with over 3.2 million members5, AustralianSuper is ranked as one of the top 20 largest pension funds globally6.

Already an AustralianSuper member? Our team of experts are here to help create the future you want with financial advice that’s right for you. Whether you prefer to chat over the phone or face to face, you can get personalised guidance with access to financial advice that is right for you.

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1 Personal financial product advice is provided under the Australian Financial Services Licence held by a third party and not by AustralianSuper Pty Ltd. Some personal advice may attract a fee, which would be outlined before any work is completed and is subject to your agreement. With your approval, the fee for advice relating to your AustralianSuper account may be deducted from your AustralianSuper account subject to eligibility criteria.

2 AustralianSuper received the Canstar Outstanding Value Award – Superannuation in 2011 - 2023, and Outstanding Value Award – Account Based Pension in 2018 - 2023. Awards and ratings are only one factor to be taken into account when choosing a super fund

3 Transition to Retirement (TTR) can be complex and isn’t suited to everyone. It’s a good idea to get financial advice before deciding if a TTR Income account is right for you.

4 AustralianSuper Balanced investment option compared to the SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60–76) Index and SRP50 Balanced (60–76) Index to 31 October 2023. Investment returns are not guaranteed. Past performance is not a reliable indicator of future returns.

5 AustralianSuper has over 3.2 million members and manages over $300 billion in member assets as at 30 September 2023.

6 Thinking Ahead Institute, Willis Towers Watson, Global top 300 pension funds, September 2022.

This article may include general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision consider if the information is right for you and read the relevant Product Disclosure Statement, available at or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at Sponsored by AustralianSuper Pty Ltd ABN 94 006 457 987, AFSL 233788, Trustee of AustralianSuper ABN 65 714 394 898

National Seniors' disclaimer: This content includes sponsored advertising which helps fund our important advocacy work. Please note that the information provided and opinions expressed in this advertising material are solely those of the advertiser. We encourage you to carefully evaluate and consider any advertised offering before making a purchase. Any transactions or interactions between you and the advertiser are solely between you and the advertiser.

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