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Profile 8 (single, homeowner)

About you

Income stability is most important to you—you want your retirement savings to last. You may have a large spend planned within five years of having a CSCri account, which you’ll fund jointly from your retirement income account and from other income you have. You’re likely eligible for a part Age Pension. 

About your profile

With this profile, you’ll get an account-based pension that:

  • invests the value of two years of your retirement income payments in our lowest risk investment option, CSCri Cash. This supports withdrawals for top ups and emergencies and aims to protect your account from short-term losses in the market.

  • invests the remaining balance of your account in our balanced option, CSCri Balanced, to prioritise income stability over the long term.

  • pays a larger percentage of your balance as an income stream up to age 67, recognising that this may be your primary income before you can apply for the Age Pension

  • pays a reduced percentage of your account balance as an income stream when you receive Age Pension to make your balance last as long as possible.

Your investment strategy

Account name Investment
CSCri Standard income stream
  • Invests the value of two years of expected drawdowns in CSCri Cash (low risk, low return option to protect your initial investment from short-term losses due to market movements).

  • Invests the remainder in CSCri Balanced, which has a targeted return of CPI +3.5% per year after fees and tax, over a 10-year period.

Your income drawdown strategy

Your income drawdown is the specific percentage of your retirement account balance that you’ll receive each year as an income stream. The income drawdown strategy change over the years in line with the strategy for the profile. To work out what your yearly income will be based on the drawdown strategy:

How you’ll receive your retirement income

When you set up a CSCri account, you can choose how often you’d like to receive income stream payments. Choose from fortnightly, monthly, quarterly, half-yearly or yearly. You can change the frequency and make lump sum withdrawals from your CSCri account at any time.

Forecast your numbers or apply for a profile

Try it out. Enter your numbers to forecast how well Profile 8 may suit you, then follow the steps to apply.

Model Profile 8 Apply for Profile 8

How to model your profile

Our PSSap Retirement Modeller video explains how to enter your personal, work and financial information, select the profile number you want to model and view the results.

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.


Your super at retirement is from $180K–$420K

Your retirement savings goals

When it comes to super in retirement, you rank your goals in this order:

  1. Income stability
  2. Flexible access
  3. Income maximisation

Key takeaways

  • We’ll invest a one-off amount in CSCri Cash (low risk) to support withdrawals for tops up and emergencies.
  • We’ll invest the remaining balance in a higher-risk option (CSCri Balanced) to provide stable income over time.

Explore our Retirement guides and workbook

Our downloadable Retirement guides and workbook consider your retirement planning concerns and challenges. Learn more

Financial planning

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Product Disclosure Statement

The PDS provides important information about the fees, benefits, risk and cost of investing your super.

Read the article: Product Disclosure Statement