Plan your retirement
Your retirement is well-deserved and your circumstances are unique— from your employment status, life stage to what you want from retirement. Making the most of it starts with careful planning.
Guidance designed to support you
With over 100 years of experience, CSC aims to provide stability and a long term focus to support you every step of the way. Wherever you’re at, you can count on guidance designed to support you.
Where to start
-
How much super is enough?
Retirement is as individual as you are. Lifestyle, hobbies, family situation, health and existing assets play a big role in determining how much money you will need. Our short video and tools will help you tackle this important question.
-
When can you retire?
The short answer to this question is: whenever you like! The more important question is: when can you access your super?
-
How is your estimated super balance looking?
Use our interactive retirement modeller to project how long your super may last in retirement.
-
How to maximise your super
Whether your retirement is years away or just around the corner, extra contributions can really bolster your super.
-
Plan your retirement with our online modules
Work through our self-paced online program to discover practical and thoughtful retirement planning steps.
Explore our Retirement guides and workbook
If you’re 10 or more years from retiring, read our Preparing for retirement guide. You’ll learn how to track your super, set retirement goals and establish a timeline.
If you're under Preservation age
Is your investment option the right fit?
Learn more about your investment options and consider whether you think you are in the right one for your circumstances.
Learn more about Is your investment option the right fit?Learn more about your super
Watch our videos to learn more about super.
Learn more about Learn more about your superHow much is enough?
Retirement is as individual as you are. Lifestyle, hobbies, family situation, health and existing assets play a big role in determining how much money you will need. Our short video and tools will show you how to tackle this important question.
Fund rules differ
Select your fund to view the details
- ADF Super
- CSCri
- PSSap
If you're over Preservation age
Want flexibility during, or in the lead up to, your retirement?
As a PSSap member, you may decide to start a transition to retirement (TTR) strategy using Commonwealth Superannuation Corporation retirement income (CSCri).
Or you may want a Standard Retirement Income Stream. This provides flexibility for retirees who would like to receive regular, tax-effective income payments and have access to money to suit their changing needs.
Choosing to take a lump sum
If you’ve permanently retired, or ceased an employment arrangement on or after age 60, you may be able to take all your super in one go, or as several lump sum payments. This is a popular option for those who would like to clear their mortgage, or pay off other large debts.
Learn more about Choosing to take a lump sumA 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
-
Is income from super taxed after you retire?
- If you’re 60 or older, no tax is charged on income stream payments or lump sum withdrawals from super.
- If you’re under 60, and eligible to access your super early, your circumstances may impact the way your payments are taxed.
Learn more about tax and super at the Australian Taxation Office.
-
You may be eligible for Age Pension
Retirement isn’t always funded by super alone—you might also be eligible for a full or part Age Pension from Centrelink. 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.
Learn more about eligibility and Age Pension at Services Australia.
Retirement Ready Online Program
Continue to work through six Retirement Ready online modules, whenever it suits you.
Financial advice
Book an appointment with one of our authorised* Financial Planners, and create a plan for the retirement goals you want to live.
Financial planning