CSC Retirement Profiles
Tailored options to manage your super in retirement – in three simple steps
CSC Retirement Profiles are based on common customer characteristics such as super balance, retirement income needs and spending budgets.
They prioritise different retirement objectives and scenarios, like needing a lump sum early, steady income over time, access for unexpected costs or a combination of these. Each profile includes a specific investment and income drawdown strategy that supports the key objective of the profile you’ve chosen.
Get started
- Filter the profiles to match your relationship status and housing situation.
- Compare super balances and choose one that feels right for you.
- Read the profile summary and example scenario.
Once you’ve browsed and selected a profile that suits your situation, use the Retirement Modeller to forecast your super balance over time. You may be able to apply for a CSC Retirement Profile.
note
CSCri and CSC Retirement Profiles are not currently available to ADF customers. CSC is working with relevant Australian Government departments to enable CSC to offer an account-based pension product such as CSCri to our ADF customers where possible.
For more information read our CSC retirement income strategy.
Frequently asked questions
Who are the Retirement Profiles for?
The Retirement Profiles are for people approaching or in retirement who want to explore how their super could support their retirement income goals.
How do I make the most of the Retirement Profiles?
Step 1: Choose a profile
Select a profile based on your relationship status, housing situation and super balance. Each profile includes:
- who it’s designed for, with an example scenario (single or couple, homeowner or renter)
- key goals and considerations
- how it works, including an investment and income drawdown strategy
- expected outcomes, such as income stability and flexible access for emergencies or discretionary spending.
Step 2: Understand the strategies
Each profile is linked to a CSCri Standard retirement income stream account. It includes investment and income drawdown strategies and objectives covering:
- maximising retirement income: help your super last longer while balancing income and growth
- income stability: focus on sustainable income while managing longevity, inflation, and investment risks
- flexible access: keep funds available for unexpected costs or lifestyle choices.
Step 3: Personalise your plan using the Retirement Modeller
Once you’ve found a profile that suits you, use the Retirement Modeller to customise details like retirement age and extra contributions. This helps you estimate your yearly retirement income and how long it could last.
You can then apply for a CSCri account that’s tailored to that profile’s characteristics.
Apply for a CSC Retirement Profile
Read the CSCri Product Disclosure Statement.
CSC Retirement Profiles provide general advice only. Consider your own objectives and needs before making a decision and seek financial advice.
Can I apply for a CSC retirement income account?
You can apply for a CSC retirement income account (CSCri) if you’re:
- over 60 and permanently retired,
- have stopped at least one job after turning 60, or
- are 65 or older (whether you’re working or not).
What’s a Challenger lifetime annuity?
Two profiles include a Challenger lifetime annuity, which provides guaranteed monthly income for life in exchange for a lump sum from your super. These payments help manage the risk of outliving your savings. They are sometimes compared to defined benefit–style income because they provide guaranteed payments for life.
If you’re interested in purchasing a Challenger lifetime annuity, you’ll need to seek financial advice - everyone’s situation is different and it’s important to understand how a lifetime annuity may work for you.