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Approaching retirement is an exciting time to decide what matters the most to you and how you want to spend your time. We’re here to help ensure you have the money you need for your ideal lifestyle when you retire.

How much super do you need?

How much you'll need to fund your retirement will depend on your retirement expenses and the sort of lifestyle you'd like to enjoy. Once you've decided on the types of things you’d like to do, the retirement forecaster can help you work out how long your savings need to last.  

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Preparing for retirement

It’s never too late to get your retirement on track. Here's some things to think about before you stop working.

  1. Combine your super

    Having more than one super account normally means paying more than one set of fees. Rolling your super into one fund could save you lots.

  2. Get superannuation tax advice

    You could take advantage of superannuation tax benefits, like taking an income tax-free from your super while contributing to your super balance at the same time.

  3. Look at how your super is invested

    Up to 60% of your total investment earnings can actually be earned while you’re in retirement*. Think about how you can invest this money, rather than withdrawing it all in cash. Check out the Income account investment choices.

    *Source: Russell Investments: The 10/30/60 Rule. January, 2015

  4. Discuss refinancing your home

    If you have a mortgage on your home, it’s a good idea to speak to someone about your options before you retire. You may want to reduce your mortgage payments and invest more into your retirement fund. 

  5. Review your health cover

    Approaching retirement is a good time to review your health insurance and ensure you have the cover you need.

  6. Join the SunTracker program

    We offer members access to our SunTracker program at no additional cost. A Sunsuper financial adviser will help you look at where you want to go, where you’re headed, whether you’re on track and look at what you can do to get there.

Accessing your super

You’ve worked hard over the years to build your super and now it's time to reap the rewards and live your dreams in retirement. Here we explain the rules on when and how you can access your super.

Start working less

Just because you’re working less, doesn’t mean you should have less money. You can supplement your income from your super with a Transition to retirement income account.

Income from work plus Income from Super equals Total Income

Retire with Sunsuper

Did you know up to 60% of your retirement income could be generated after the day you stop working – through earnings on your super? Make sure compound interest keeps working hard for you in retirement by accessing your super through a super pension like the award winning Sunsuper Retirement income account. 

Only around 10% of the money you may draw from your super in retirement will come from contributions you make to your super while you’re working. Around 30% can come from the interest earned on your savings while you’re still working. But here’s the surprise – the majority, up to 60% of it, can come from interest earned in the years after you retire. The 10/30/60 Rule. January, 2015.


Choosing how your super is invested and keeping a close eye on its performance will give you greater control of your financial future.

Income account fees

Our profit-for-members philosophy means our members benefit through lower fees and improved services.

What others like you are doing

Explore the ways our members are retiring on their own terms.

Activate your account

Once you're eligible, it’s quick and easy to get your Income account up and running.

Or, give us a call and we'll walk you through it.

Activate income account

Listen to the podcast

Join Sunsuper's Chief Economist and Head of Advice and Retirement as they discuss investments, super and how to achieve your retirement dreams.

The New School of Super podcast series

We know that understanding financial markets, investing through super and making the most of your super balance can be daunting, boring or a combination of both.

Podcasts are quickly becoming the new channel of choice for consuming information and entertainment, which is why we created The New School of Super podcast.