Phone 1800 444 396
Web brightersuper.com.au
Email info@brightersuper.com.au
Post GPO Box 264, Brisbane QLD 4001

Retirement

It’s never too early or too late to plan for retirement. You just need to get the ball rolling.

Super is key

For many people, retirement conjures up images of all sorts of exciting things – amazing holidays, or maybe a new car and camper. But with no income from work to rely on, these things (as well as the usual household bills) will somehow need to be paid for.

This is where your superannuation comes in. The Age Pension may provide some income, but it won’t provide much for exotic getaways. Unless you have other investments generating an income for you, your super could be your key to a really enjoyable and fulfilling life after you’ve stopped working. And we can help you get the most out of it, no matter how far away your retirement is.

 

Video of David Koch and Jen McSpadden discussing retirement

Video: Retirement advocate David Koch talks with Brighter Super's Head of Retirement, Jennifer McSpadden (6:11)

Pension account

Our Pension account can provide the flexibility to suit your needs. It offers a regular income in retirement – you just have to choose how much income you want and how often you receive payments. Plus, it gives you the ability to withdraw lump sums when you like.

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Retirement

Managing your account

We give you two choices for how you would like your Pension account managed:

  1. Retire Easy Pension – your account is automatically set up for you, with pre-selected investment and pension payment options that are updated for you each year.
  2. Tailor your own Pension account – you can choose from our range of investment options to suit your needs, and you set the frequency and amount of payments for your income stream.

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Retirement

Understand your spending habits

To understand how much you need, it’s important to understand your spending habits. Setting up a budget in the lead up to retirement will help you monitor your actual spending against your expected spending and determine how much you need to fund your lifestyle.

The Australian Securities and Investments Commission’s (ASIC) MoneySmart website has a comprehensive suite of tools, apps and other resources to help you track your spending and manage your savings during retirement.

Nominate a beneficiary

Have you considered what might happen to your super benefit when you die? While it’s not the nicest thing to think about, it’s important. So have your say and tell us who you’d like to receive your super by nominating a beneficiary today.

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How much is enough?

It’s different for everyone, so see how much super you’ll need in retirement.

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Transition to Retirement account

Lets you receive income from your superannuation while you’re still working.

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Accessing your super

Find out when and how you can start accessing your super, and how it’s taxed.

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Keeping fees as low as possible

As a profit-for-members fund with no shareholders, we work hard to keep our fees as low as possible.

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Organise advice today

To navigate your path to and through retirement, talk to our friendly and experienced financial advice team.

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