Plan your retirement
At CSC, our goal is your comfortable retirement, and we’re here to provide you with the superannuation products, support and guidance to help you achieve that.
Fund rules differ
Select your fund to view the details
- CSS
- DFRDB
- MilitarySuper
- PSS
Where to start
When can you claim your MilitarySuper benefit?
Understand when you can access your super as you prepare for retirement.
Learn more about When can you claim your MilitarySuper benefit?How will your MilitarySuper pension be taxed?
It’s important to understand the likely amount of your MilitarySuper pension after tax, both before and after you turn 60, to ensure you have full visibility of your income in retirement.
Learn more about How will your MilitarySuper pension be taxed?Vets Hub
Our Vets Hub is dedicated to improving the financial wellbeing of veterans and their families.
How to maximise your super in the lead up to retirement
Little amounts can make a big difference
Small, regular contributions can have a big impact on your super over a long investment period.
Learn more about Little amounts can make a big differenceA super benefit to downsizing
Downsizer contributions allow you to sell your primary residence and contribute up to $300,000 from the proceeds of the sale to your super fund without being subject to contribution eligibility rules.
Learn more about A super benefit to downsizingOther things to consider
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MilitarySuper Maximum Benefit Limits (MBLs)
MilitarySuper rules limit the total benefit (excluding your Ancillary Benefit) that you can accrue. There are two types of MilitarySuper MBLs: the lump sum MBL and the pension MBL.
The lump sum MBL is the lower of the MBLs. When you reach this, you may elect to cease paying member contributions.
The pension MBL is the higher of the MBLs. When you reach this, member and productivity contributions must cease.
If you cease contributions due to reaching a MBL, you cannot resume again.
Generally, the employer multiple will remain fixed, however any future pay rises will affect your financial average salary which means the employer component can continue to increase.
For more information read our MBL factsheet. Refer to your Annual Statement or use our i-Estimator retirement calculator within CSC Navigator to estimate how close you are to reaching your MBLs.
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ADF medical transition
Leaving the ADF due to sickness or injury can be a time of considerable change. We’re here to support you through process, to ensure it is as smooth as possible.
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The Age Pension
Retirement isn’t always funded by super alone—you might also be eligible for a full or part Age Pension from Centrelink when you turn 67. There are many things to take into account when it comes to Age Pension, including the way it can interact with your assets, such as super.
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Early access to your MilitarySuper benefit
There are limited circumstances in which you can access your super before retirement.
If you are a preserved member and apply for early access to your super, you may forgo your option to receive a pension when you retire.
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