• Skip to primary navigation
  • Skip to main content
  • Skip to primary sidebar
  • Skip to footer

SuperGuide

Superannuation and retirement planning information

  • Join SuperGuide Premium
  • Account
  • Log In
  • Join SuperGuide Premium
  • Account
  • Log In
  • How super works
    • Super for beginners
    • Super rules
    • Employers guide to super
    • Super contributions
    • Super and tax
    • Accessing super
    • Super news
    • Women and super
    • Super tips and strategies
    • How-to guides
    • Super quizzes
    • Superannuation Q&As
    • Superannuation glossary
  • Super funds
    • Best performing super funds
    • Super fund rankings
    • Best performing pension funds
    • Pension fund rankings
    • Super fund average returns
    • Super investing strategies
    • Comparing super funds
    • Choosing a super fund
    • Choosing an investment option
    • Super fund fees
    • Insurance and super
    • Super fund profiles
  • SMSFs
    • SMSFs for beginners
    • SMSF administration
    • SMSF checklists
    • SMSF compliance
    • SMSF investing
    • SMSF pensions
    • SMSF strategies
    • SMSF Q&As
  • Plan your retirement
    • Retirement planning for beginners
    • When should I retire?
    • How long will I live?
    • How much super do I need?
    • Will I get the Age Pension?
    • How much will I spend in retirement?
    • Financial advice
    • Retiring overseas
    • Preparing for retirement
    • Retirement planning strategies
    • Retirement calculators and reckoners
  • In retirement
    • Income in retirement
    • Super lump sums
    • Super pensions
    • Age Pension
    • Working in retirement
    • Life in retirement
    • Senior concessions and services
    • Aged care
    • Estate planning
    • Super death benefits

Home / Plan your retirement / When should I retire? / Retiring at 65? Your super simple guide to 12 common questions

Retiring at 65? Your super simple guide to 12 common questions

June 3, 2020 by Janine Mace Leave a Comment

Reading time: 7 minutes

For most Aussies, blowing out the birthday candles at 65 means it’s retirement time.

If that’s your plan, it’s important to ensure you understand the rules on accessing your super, how big your nest egg needs to be, the tax you might pay and any financial assistance you may be able to receive.

To help you take the leap into life after work, SuperGuide has put together a simple guide answering common questions asked by people retiring at age 65.

1. When can I access my super savings?

Once you reach age 65 it’s easy to access your super benefits.

In the super world, getting to 65 is a condition of release and you can access your super without having to cease work.

Once you decide to apply to access your super benefit, you can generally choose to withdraw an amount from your super as an income stream, lump sum or a combination of the two.

Compare super funds

Read more...

Advertisement

For more information, read SuperGuide articles Accessing super: Ceasing employment after 60 and What age can I access my super (Preservation Age)?


Super tip

If you are currently receiving payments from Centrelink, check before you access your super benefit. It may affect your entitlement to a benefit and the amount you receive, as many government benefits are based your taxable income (e.g. Family tax benefit Part A and B, Child Care Subsidy, government co-contribution and the seniors and pensioners tax offset).

To find out more, contact Centrelink on 13 23 00 or check the Centrelink website.


2. Can I access my super at 65 and still work?

You can access your super when you turn 65 regardless of whether you are still working or not. Turning age 65 is a condition of release itself, so whether you are working or not doesn’t matter.

The super rules also allow you to leave your retirement savings in your super account until a later date if you want.

For more information, read SuperGuide article When can I access my super? All conditions of release explained.

3. Can I still make contributions into my super if I retire at 65?

The super rules still allow you to make voluntary contributions into your super account up until you turn age 75, provided you pass the work test. Under the work test rules, you must have been ‘gainfully employed’ for at least 40 hours in 30 consecutive days during 2020/21 if you wish to make personal super contributions.

Once you reach age 75, you will not be able to make voluntary non-concessional contributions, regardless of your work status. You can only claim a tax deduction for any super contributions you made before the 28th day of the month following the month in which you turned 75

If you are aged 65 and over and not able to meet the work test, you can still make downsizer contributions (up to $300,000 per person in 2020/21) if you sell your main residence.

For more information on downsizer contributions see SuperGuide article Making downsizer super contributions: 10 things you need to know.

For more information on super contributions, see the following SuperGuide articles:

  • How to make super contributions after you’ve retired
  • Work test: Making super contributions over 67
  • How to contribute to your super in your late 60s: What are the rules?
  • Super’s rulebook: What rules apply to you at different ages?

4. What are the options for withdrawing my super benefit?

When you withdraw your super savings at retirement, you can choose to take either a lump sum or an income stream:

  • Income stream (super pension or annuity) – If you decide to take a super income stream, you will receive a series of regular payments from your super fund. These must be paid at least annually and must meet minimum annual payment rules.
  • Lump sum – This is a single payment that withdraws some or all of your super. If you take a lump sum the money is no longer within the super system and if you invest it, any return received on the money will not be taxed as super savings. This means the concessional tax rate of 15% on your super account’s investment earnings will no longer apply. Instead, your investment returns will be taxed at your marginal tax rate, which could be as high as 45% (plus the Medicare levy).

Need to know

When choosing whether to take a lump sum or income stream from your super account, consider getting professional advice from an independent financial adviser or tax professional.

Tax and super are very complicated and taking a lump sum may not necessarily be the best strategy for you, as there can be tax advantages with a retirement income stream


For more information, read SuperGuide article In your 60s? The super rules that apply to you.

5. What are the tax implications of retiring at 65?

Super withdrawals after age 60 are generally tax free.

If you are aged 65 and decide to take a lump sum, all your lump sum benefits are tax free.

If you are aged 65 and decide to take a super pension, all your pension payments are tax free UNLESS you are a member of a small number of defined benefit super funds, or you receive a defined benefit pension over a certain limit. In these two situations, you will pay some tax on your super pension, but this generally only affects public servants.

These two exceptions only affect people who choose to take a super pension AND are:

  • Members of an untaxed super scheme (usually a public sector fund)
  • Receiving a private or public defined benefit pension of more than $100,000 a year (in 2020/21).

For more information, read SuperGuide article Your tax guide to accessing your super over age 60 benefits.

6. What is the average super account balance for Australians at age 65?

According to Association of Superannuation Funds of Australia research, in 2016/17 (the latest available data) the average super account balance for males aged 65 to 69 was $392,805, while for females the average was a bit lower at $349,947.

Unsurprisingly, the average balance for those on higher incomes tends to be higher. In 2016/17, the average super balance for a male aged 65 to 69 in the $180,000 plus tax bracket was $1,637,060. For females, the average was slightly higher at $1,834,578.

Advertisement

For Aussies aged 65 to 69 in the $37,001 to $87,000 tax bracket, the averages were $361,243 for males and with females at $372,722.

Average and median super account balance 2016/17

 

Average super account balance

Median* super account balance

Males (age 65­–69)

$392,805

$172,914

Females (age 65–69)

$349,947

$165,857

* Median super account balance is the balance at which 50% of individuals have a lower account balance and 50% have a higher account balance.

7. What is my life expectancy at age 65?

Life expectancy is a statistical measure that estimates how long a typical person of a specific age and sex is likely to live. It’s based on your year of birth and gender, but does not consider your circumstances, such as your personal health, family history, diet or lifestyle.

That means it’s an estimate of how long a typical person is likely to live, not a prediction of how long you will live.

The estimates below are an average life expectancy for someone age 65 based on national statistics, without taking into account any personal factors such as your health or family history.


Advertisement

Estimated life expectancy at age 65

Expected remaining years of lifeLife expectancy
Male19 years and 10 months84 years and 10 months
Female22 years and 5 months87 years and 5 months

Source: 2015–17 Australian Life Tables, Australian Government Actuary


Need to know

If you are working out how much you will need in your nest egg if you retire at 65, it’s important to remember the average life expectancy figures are only an average.

That means half of all Australian retirees will not reach their life expectancy, but half will live more years than this projection. Typically, two-thirds of people die within eight years either side of the average life expectancy.


For more information, read the following SuperGuide articles:

  • How long you can expect to live, and what it means for your super
  • Take the Australian Life Tables with a pinch of salt
  • Life expectancy and longevity

8. Can I get the Age Pension if I retire at 65?

To be eligible for the Age Pension, you must have reached the current Age Pension eligibility age, which is 66 years for anyone born between 1 January 1954 and 30 June 1955.

Age Pension ages from 1 July 2019 are listed in the table.

Date of birthAge Pension eligibility ageDate that Age Pension age changes
Born between 1 January 1954 and 30 June 195566 years1 July 2019
Born between 1 July 1955 and 31 December 195666 years and 6 months1 July 2021
Born from 1 January 1957 onwards67 years1 July 2023

Source: Department of Social Services

In addition to the age requirement, whether you are eligible for an Age Pension depends on you being able to:

  • Satisfy the Age Pension assets test
  • Satisfy the Age Pension income test
  • Meet Australian residency requirements.

For more information see the following SuperGuide articles:

  • Am I eligible for the Age Pension?
  • How do I apply for the Australian Age Pension?
  • Age Pension calculator: How much could you be eligible for?
  • Age Pension rates (March 2021 to September 2021)
  • Age Pension income test limits (March 2021 to July 2021)
  • Age Pension assets test limits (March 2021 to July 2021)

9. Can I get a health card if I retire at 65?

If you retire at age 65, unfortunately, you are ineligible for the Commonwealth Seniors Health Card (CSHC). This concession card gives you access to cheaper health care, medications, and, potentially, government services.

To qualify for a CSHC, you must have reached your Age Pension eligibility age, which depends on your date of birth (see table above). This is progressively being increased to age 67 from 1 July 2023.

For more information, read SuperGuide articles:

  • Commonwealth Seniors Health Card: What it is and how to apply
  • What concession cards are available for Seniors and Pensioners?

10. Can I get a state Seniors Card if I retire at 65?

Congratulations, if you retire at age 65 you are eligible for a state Seniors Card in the state or territory where you live.

Briefly, the eligibility requirements in each state and territory in relation to your age are:

StateEligible age for Seniors Card
Australian Capital Territory62 or over (From July 2020 eligibility age will be lowered to 60)
NSW60 or over
Northern Territory60 or over
Queensland60 or over with government concession card
Tasmania60 or over
Victoria60 or over
Western Australia63 or over

  Note: Residency and work test rules also apply when you apply for a Seniors Card.

For more detailed information on state Seniors Card eligibility and benefits, read SuperGuide article Your simple guide to state Seniors Cards: How they can save you money.

11. Can I start a transition to retirement income stream at 65?

A transition to retirement (TTR or TRIS) is a pension income stream from your super account you draw down on while you are still working. It can be a way to scale back your working hours and start enjoying your retirement.

If you’re aged 65 and over, there are no restrictions on the amount of super you can withdraw even if you’re still working, so rather than set up a TTR pension, you can start a normal super pension.

For more information, read SuperGuide article Guide to transition to retirement pensions (TTRs or TRISs)

12. How much super do I need to retire at 65?

When you retire at 65, you could be spending 20 or 25 years in retirement, so you’ll need to create a retirement income stream that lasts that long.

The amount of super you will need to fund your retirement lifestyle from age 65 depends on many factors.

For more information, read SuperGuide article How much super do I need to retire?

To help you get started working out how much super you will need if you retire at 65, we have put together tables for both couples and singles using figures generated from ASIC’s MoneySmart retirement planner calculator.

There are six different scenarios showing the income generated from different super balances ranging from $500,000 at retirement through to $3.2 million (combined for a couple).

If you want to calculate a figure using your own circumstances, try SuperGuide’s Super to income reckoner, which has nearly 9,000 options you can use.

Scenario 1: Income generated from a $500,000 retirement super balance transferred into a super pension account

Couple: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$55,239

$57,267

$59,363

$61,640

$63,961

$66,395

$68,953

No

$20,680

$22,950

$25,355

$27,857

$30,618

$33,426

$36,353

90

Yes

$51,190

$53,063

$55,160

$57,380

$59,757

$62,224

$64,772

No

$16,333

$18,454

$20,856

$23,465

$26,251

$29,164

$32,252

95

Yes

$48,582

$50,274

$52,263

$54,495

$56,861

$59,352

$61,946

No

$13,501

$15,424

$65,597

$20,403

$23,321

$26,369

$29,563

100

Yes

$46,805

$48,331

$50,163

$52,307

$54,723

$57,215

$59,809

No

$11,547

$13,267

$15,372

$17,963

$21,113

$24,410

$27,381

* Assumptions for the calculations in the tables are listed at the end of the article.

Single: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$40,953

$42,657

$44,466

$46,359

$48,408

$50,503

$52,693

No

$20,660

$22,951

$25,368

$27,892

$30,584

$33,427

$36,358

90

Yes

$36,895

$38,450

$40,175

$42,036

$43,961

$45,980

$48,168

No

$16,327

$18,449

$20,856

$23,473

$26,224

$29,154

$32,251

95

Yes

$34,162

$35,690

$37,327

$39,060

$40,940

$42,929

$45,041

No

$13,492

$15,423

$17,728

$20,404

$23,321

$26,378

$29,575

100

Yes

$32,311

$33,541

$35,131

$36,886

$38,700

$40,651

$42,657

No

$11,549

$13,269

$15,373

$17,968

$21,112

$24,392

$27,755

* Assumptions for the calculations in the tables are listed at the end of the article.

Scenario 2: Income generated from a $750,000 retirement super balance transferred into a super pension account

Couple: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$61,962

$64,598

$67,351

$70,258

$73,281

$76,470

$79,753

No

$31,009

$34,426

$38,054

$41,867

$45,927

$50,148

$54,540

90

Yes

$55,835

$58,284

$60,921

$63,705

$66,651

$69,761

$73,034

No

$24,500

$27,640

$31,277

$35,178

$39,372

$43,761

$48,341

95

Yes

$51,726

$54,073

$56,592

$59,255

$62,073

$65,139

$68,352

No

$20,256

$23,146

$26,590

$30,601

$34,975

$39,562

$44,361

100

Yes

$48,993

$50,845

$53,257

$55,945

$58,745

$61,734

$64,851

No

$17,324

$19,902

$23,060

$26,955

$31,678

$36,599

$41,633

* Assumptions for the calculations in the tables are listed at the end of the article.

Single: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$46,744

$49,127

$51,637

$54,332

$57,260

$60,285

$63,568

No

$31,018

$34,426

$38,054

$41,894

$45,887

$50,148

$54,538

90

Yes

$40,808

$42,880

$45,255

$47,783

$50,457

$53,464

$56,717

No

$24,496

$27,681

$31,277

$35,187

$39,362

$43,752

$48,358

95

Yes

$36,892

$38,903

$41,027

$43,361

$45,951

$48,773

$52,000

No

$20,259

$23,134

$26,593

$30,600

$34,994

$39,558

$44,322

100

Yes

$34,136

$35,895

$37,938

$40,181

$42,648

$45,420

$48,542

No

$17,333

$19,903

$23,061

$26,954

$31,676

$36,621

$41,631

* Assumptions for the calculations in the tables are listed at the end of the article.

Scenario 3: Income generated from a $1 million retirement super balance transferred into a super pension account

Couple: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$67,654

$70,831

$74,241

$77,833

$81,652

$85,691

$89,867

No

$41,370

$45,885

$50,746

$55,858

$61,238

$66,863

$72,716

90

Yes

$59,654

$62,578

$65,756

$69,152

$72,740

$76,629

$80,771

No

$32,662

$36,908

$41,709

$46,960

$52,494

$58,356

$64,495

95

Yes

$54,462

$57,164

$60,126

$63,269

$66,724

$70,420

$74,481

No

$27,014

$30,862

$35,457

$40,792

$46,668

$52,752

$59,168

100

Yes

$50,597

$53,088

$55,908

$59,013

$62,330

$65,868

$69,766

No

$23,110

$26,539

$30,747

$35,938

$42,234

$48,819

$55,503

* Assumptions for the calculations in the tables are listed at the end of the article.

Single: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$53,614

$56,948

$60,550

$64,485

$68,718

$73,264

$78,172

No

$41,371

$45,888

$50,746

$55,854

$61,240

$66,852

$72,659

90

Yes

$45,547

$48,529

$51,854

$55,569

$59,718

$64,251

$69,256

No

$32,664

$36,909

$41,685

$46,962

$52,505

$58,356

$64,486

95

Yes

$40,464

$43,064

$46,054

$49,557

$53,550

$58,137

$63,264

No

$27,010

$30,862

$35,453

$40,794

$46,667

$52,754

$59,168

100

Yes

$37,049

$39,298

$42,015

$45,222

$49,078

$53,687

$58,973

No

$23,112

$26,539

$30,747

$35,938

$42,234

$48,819

$55,453

* Assumptions for the calculations in the tables are listed at the end of the article.

Scenario 4: Income generated from a $1.6 million retirement super balance transferred into a super pension account

Couple: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$83,942

$89,354

$95,264

$101,652

$108,541

$116,032

$123,994

No

$66,191

$73,442

$81,171

$89,363

$97,959

$106,961

$116,352

90

Yes

$70,948

$75,829

$81,264

$87,368

$94,142

$101,642

$109,841

No

$52,245

$59,053

$66,735

$75,137

$84,006

$93,381

$103,210

95

Yes

$62,892

$67,015

$71,927

$77,682

$84,285

$91,854

$100,326

No

$43,220

$49,377

$56,731

$65,288

$74,617

$84,402

$94,658

100

Yes

$57,372

$61,079

$65,465

$70,753

$77,183

$84,849

$93,588

No

$36,974

$42,456

$49,197

$57,500

$67,578

$78,129

$88,771

* Assumptions for the calculations in the tables are listed at the end of the article.

Single: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$73,592

$79,780

$86,519

$93,809

$101,659

$109,972

$118,849

No

$66,191

$73,403

$81,158

$89,374

$97,967

$106,964

$116,352

90

Yes

$60,323

$65,781

$72,218

$79,442

$87,358

$96,019

$105,261

No

$52,263

$59,053

$66,730

$75,088

$83,954

$93,355

$103,164

95

Yes

$52,152

$56,794

$62,603

$69,651

$77,753

$86,687

$96,350

No

$43,220

$49,378

$56,731

$65,295

$74,663

$84,403

$94,653

100

Yes

$46,773

$50,776

$55,839

$62,470

$70,723

$80,063

$90,154

No

$36,975

$42,462

$49,197

$57,491

$67,577

$78,139

$88,813

* Assumptions for the calculations in the tables are listed at the end of the article.

Scenario 5: Income generated from a $2 million retirement super balance transferred into a super pension account

Couple: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$96,820

$104,114

$112,053

$120,687

$130,029

$140,053

$150,664

No

$82,737

$91,790

$101,489

$111,725

$122,459

$133,724

$145,442

90

Yes

$80,365

$86,830

$94,300

$102,721

$112,088

$122,362

$133,432

No

$65,334

$73,816

$83,415

$93,880

$105,011

$116,725

$128,983

95

Yes

$70,299

$75,776

$82,454

$90,514

$99,855

$110,449

$121,959

No

$54,029

$61,716

$70,915

$81,616

$93,314

$105,515

$118,285

100

Yes

$63,579

$68,334

$74,141

$81,694

$91,115

$101,956

$114,004

No

$46,227

$53,077

$61,497

$71,880

$84,472

$97,645

$111,040

* Assumptions for the calculations in the tables are listed at the end of the article.

Single: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$86,461

$93,873

$102,056

$111,006

$120,704

$131,044

$141,957

No

$80,254

$88,550

$97,561

$107,268

$117,649

$128,564

$139,992

90

Yes

$68,770

$75,362

$83,150

$92,123

$102,056

$112,915

$124,539

No

$61,699

$69,313

$78,202

$88,203

$99,066

$110,654

$122,833

95

Yes

$57,575

$63,000

$69,957

$78,603

$88,869

$100,434

$112,852

No

$49,574

$56,114

$64,184

$74,035

$85,718

$98,290

$111,350

100

Yes

$50,102

$54,597

$60,352

$67,985

$78,140

$90,806

$104,370

No

$41,308

$46,878

$53,782

$62,492

$73,911

$88,345

$103,158

  • Assumptions for the calculations in the tables are listed at the end of the article.

Scenario 6: Income generated from a $3.2 million retirement super balance transferred into a super pension account

Since 1 July 2017 there has been a $1.6 million limit on the amount you can transfer into a super account in pension phase. The $1.6 million transfer balance cap applies to individuals, which means a couple could have up to $3.2 million in individual accounts.

Couple: Retiring at 65

Money lasting until age

Eligible for Age Pension?

Return on savings

2%

3%

4%

5%

6%

7%

8%

85

Yes

$140,468

$153,579

$167,963

$183,369

$199,719

$216,974

$235,124

No

$132,385

$146,883

$162,379

$178,760

$195,953

$213,957

$232,692

90

Yes

$113,563

$125,385

$139,182

$154,660

$171,451

$189,376

$208,443

No

$104,516

$118,095

$133,438

$150,276

$168,025

$186,764

$206,429

95

Yes

$96,703

$106,973

$119,632

$135,021

$152,377

$171,076

$190,967

No

$86,446

$98,735

$113,465

$130,592

$149,055

$168,834

$189,361

100

Yes

$85,874

$94,629

$105,836

$120,308

$138,323

$158,173

$178,955

No

$73,962

$84,924

$98,395

$115,003

$135,150

$156,291

$177,586


Assumptions

  • You own your own home and have personal assets of $25,000 or less. These calculations do not allow any investment assets outside super. Note that the amount of investment assets you have can greatly affect the amount of Age Pension you are eligible for.
  • Results are in today’s dollars. Inflation costs are a 2.5% rise per year in cost of living, plus a 1.5% additional rise per year in living standards.
  • You retire after you reach Age Pension age.
  • All returns are net of fees.
  • We recommend you also review the assumptions that MoneySmart list below their calculator.
  • Calculations were made April 2021.


Disclaimer: This article is only intended to give approximate figures about the range of superannuation required to fund various retirement incomes. These figures do not take into account any of your personal circumstances and are also based on projections about future investment returns that may not be achieved. We recommend you undertake your own additional research for your own retirement planning and, wherever possible, seek independent financial advice.


Want to plan your retirement but not sure where to begin?

Become a SuperGuide Premium member and access independent expert guidance on how to plan your retirement, including how much super you need, how long you are likely to live for, whether you could be eligible for the Age Pension, the implications of retiring at different ages, how to prepare for retirement and much more.

Includes performance rankings for 235 super funds and 166 pension funds, more than 600 articles, how-to guides, checklists, tips and strategies, calculators, case studies, quizzes and a monthly newsletter.

Find out more


Learn more about how to plan your retirement in the following SuperGuide articles:

What should my retirement plan contain, and can I write it myself?

February 18, 2021

How to use the MoneySmart Retirement Planner

January 21, 2021

Countdown to retirement: Tips to help kickstart your retirement plans

June 1, 2020

How to plan for your retirement

January 4, 2020

How to plan your spending through the 3 stages of retirement

August 10, 2019

How to navigate the different phases of retirement

August 9, 2019

How to select a retirement income calculator

August 1, 2019

Starting a pension from your super

July 1, 2019

How do I apply for the Age Pension?

July 1, 2019

Super advice: How to find a suitable financial adviser

March 15, 2019

Learn more about when to retire in the following SuperGuide articles:

Retiree reflections: If I had my time over, when would I retire?

January 21, 2021

What age should I retire?

December 1, 2020

Retiring at 55? Your super simple guide to 12 common questions

June 3, 2020

Retiring at 60? Your super simple guide to 12 common questions

June 3, 2020

Related topics

Plan your retirement When should I retire?

Related features

How-to Super Guides Retirement planning strategies

IMPORTANT: All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs. You should consider whether any information on SuperGuide is appropriate to you before acting on it. If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions. Comments provided by readers that may include information relating to tax, superannuation or other rules cannot be relied upon as advice. SuperGuide does not verify the information provided within comments from readers. Learn more

© Copyright SuperGuide 2009-21. Copyright for this article belongs to SuperGuide Pty Ltd, and cannot be reproduced without express and specific consent. Learn more

Primary Sidebar

How super works
Super for beginners
Super rules
Employers guide to super
Super contributions
Super and tax
Accessing super
Super news
Women and super
Super tips and strategies
How-to guides
Super quizzes
Superannuation Q&As
Superannuation glossary
Super funds
Best performing super funds
Super fund rankings
Best performing pension funds
Pension fund rankings
Super fund average returns
Super investing strategies
Comparing super funds
Choosing a super fund
Choosing an investment option
Super fund fees
Insurance and super
Super fund profiles
SMSFs
SMSFs for beginners
SMSF administration
SMSF checklists
SMSF compliance
SMSF investing
SMSF pensions
SMSF strategies
SMSF Q&As
Plan your retirement
Retirement planning for beginners
When should I retire?
How long will I live?
How much super do I need?
Will I get the Age Pension?
How much will I spend in retirement?
Financial advice
Retiring overseas
Preparing for retirement
Retirement planning strategies
Retirement calculators and reckoners
In retirement
Income in retirement
Super lump sums
Super pensions
Age Pension
Working in retirement
Life in retirement
Senior concessions and services
Aged care
Estate planning
Super death benefits
Advertisement
Compare super funds

Footer

Important: Disclaimer

All information on SuperGuide is general in nature only and does not take into account your personal objectives, financial situation or needs.

You should consider whether any information on SuperGuide is appropriate to you before acting on it.

If SuperGuide refers to a financial product you should obtain the relevant product disclosure statement (PDS) or seek personal financial advice before making any investment decisions.

Learn more

About SuperGuide

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

Superguide Pty Ltd ATF Superguide Unit Trust as a Corporate Authorised Representative (CAR) is a Corporate Authorised Representative of Independent Financial Advisers Australia, AFSL 464629

  • Contact us
  • Advertise on SuperGuide
  • Careers

Before using this website

  • New to SuperGuide?
  • Terms and Conditions of Use
  • Financial Services Guide
  • Privacy Policy and Privacy Collection
  • Copyright Policy
  • Editorial Policy and Complaints
  • Disclaimer

  • SuperGuide Premium
  • Subscriber feedback
  • Sitemap