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Home / In retirement / Income from super

Income from super

Income from super

When you retire, the role of your super changes from accumulating your nest egg to generating your retirement income.

Super funds and life insurance companies offer a range of retirement income products, including some that are guaranteed to provide income for life, so you can find one (or even a combination) to suit your needs and priorities. These products are called pensions and annuities.

Because investment earnings on pensions and annuities purchased with super money are tax-free, the government uses the transfer balance cap to place a limit on the amount you can use to invest in them.

A pension or annuity can also be combined with income from the Age Pension or other investments.

Things to consider when choosing a retirement income product

Is it worth starting a pension from your super sooner rather than later?

Converting super into retirement income: What are your options? 

Is it worth starting a pension from your super sooner rather than later?

Starting a pension from your super

Is it worth starting a pension from your super sooner rather than later?

How to choose a pension fund

Is it worth starting a pension from your super sooner rather than later?

How to create an investment portfolio in retirement

Is it worth starting a pension from your super sooner rather than later?

Minimum pension drawdown rates (2024–25) and calculator

Is it worth starting a pension from your super sooner rather than later?

Are pension withdrawal rates safe?

Is it worth starting a pension from your super sooner rather than later?

Transfer balance cap (TBC) for super pensions: How it works

Is it worth starting a pension from your super sooner rather than later?

Does your super fund pay a retirement bonus when you start a pension?

Strategies to help optimise your income stream in retirement

Is it worth starting a pension from your super sooner rather than later?

Is it worth starting a pension from your super sooner rather than later?

Is it worth starting a pension from your super sooner rather than later?

How lump sums can reduce your transfer balance account

Is it worth starting a pension from your super sooner rather than later?

Super pensions: Trends in payment frequency, flexibility, fees and more

Is it worth starting a pension from your super sooner rather than later?

Women and super (Part 3): Making the most of super and other assets after retirement

Is it worth starting a pension from your super sooner rather than later?

How to choose an investment option for your super pension

Is it worth starting a pension from your super sooner rather than later?

Consider these two risks before you start a super pension

Is it worth starting a pension from your super sooner rather than later?

Managing retirement income with a bucket strategy

Is it worth starting a pension from your super sooner rather than later?

How can I top up my super pension?

Is it worth starting a pension from your super sooner rather than later?

Longevity risk: How deferred annuities can help your savings last

Is it worth starting a pension from your super sooner rather than later?

5 strategies to help fix your total super balance problem

Is it worth starting a pension from your super sooner rather than later?

Where to find retirement income in addition to super

Is it worth starting a pension from your super sooner rather than later?

What advice can I get from my super fund in retirement?

Is it worth starting a pension from your super sooner rather than later?

Tips to help your super last longer

Is it worth starting a pension from your super sooner rather than later?

Planning your account-based pension withdrawals for the new financial year

Is it worth starting a pension from your super sooner rather than later?

The importance of the 10/30/60 Rule to your retirement income

If you are concerned about outliving your money, these income products might help.

Is it worth starting a pension from your super sooner rather than later?

Which super funds offer income for life?

Is it worth starting a pension from your super sooner rather than later?

What is an investment-linked annuity?

Is it worth starting a pension from your super sooner rather than later?

What are annuities, and how can they help in retirement?

The following articles cover common Q&As about super pensions and lump sums.

Is it worth starting a pension from your super sooner rather than later?

Account-based pensions Q&A special (January 2022)

Is it worth starting a pension from your super sooner rather than later?

Should retirees use their super to become debt free?

Is it worth starting a pension from your super sooner rather than later?

Q&A: Can I move my pension to another provider?

Is it worth starting a pension from your super sooner rather than later?

Q&A: If I make bring-forward contributions, do I have to wait 3 years before I can start a pension?

Is it worth starting a pension from your super sooner rather than later?

Q&A: If I’m retired can I leave one of my two funds in accumulation?

Is it worth starting a pension from your super sooner rather than later?

Q&A: If I have $1.9m in my super pension can I still make contributions?

Is it worth starting a pension from your super sooner rather than later?

Q&A: Is there a cap on total super balance when you have started a pension?

Is it worth starting a pension from your super sooner rather than later?

Q&A: Do I have to start a pension when I retire?

Is it worth starting a pension from your super sooner rather than later?

Should I close my super account when I retire?

Is it worth starting a pension from your super sooner rather than later?

Q&A: Can I combine multiple pension accounts?

Is it worth starting a pension from your super sooner rather than later?

Q&A: What can we do with excess funds if we need less than the minimum pension amount?

Is it worth starting a pension from your super sooner rather than later?

Q&A: What are the pros and cons of starting an account-based pension vs investing outside super?

Is it worth starting a pension from your super sooner rather than later?

Q&A: What happens if I start a pension and gains push the balance over the transfer balance cap?

Is it worth starting a pension from your super sooner rather than later?

Q&A: Can I withdraw a lump sum after I start a pension?

Is it worth starting a pension from your super sooner rather than later?

Q&A: How can I recontribute my pension payments back into my super?

Is it worth starting a pension from your super sooner rather than later?

Q&A: Can I contribute to super after I start a pension?

Is it worth starting a pension from your super sooner rather than later?

Q&A: Contributing to super prior to a pension

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SuperGuide is Australia’s leading superannuation and retirement planning website.

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