Entering your retirement
Start living the secure and purposeful retirement you’ve worked towards your entire life
Retirement looks different for everybody – but you should be stepping into it with confidence no matter what it looks like for you.
At this stage of your journey, timing is really important. Don’t make the mistake of leaving important tasks like your Age Pension application, and setting up your tax-free income streams, to the last minute – this could cost you tens of thousands in lost benefits.
We’re here to make your journey easy and stress-free with our handy tools, articles, and expert advice – whatever kind of retirement you’ve imagined for yourself.
Prepare yourself for life after work
As you approach your retirement years, you’ll start to see the light at the end of the tunnel – that’s the lifetime worth of super savings you’ve built and stored away for the future.
Super is generally the most tax-effective environment for your cash, so boosting it can be a great way to maximise your wealth as you approach retirement. The tax benefits get even better once you pass age 60, as you can start making tax-free withdrawals.
Additionally, since super generates investment returns, topping up sooner rather than later can have a big impact on your retirement income.
Want to set up a tax-free income stream for your super when you retire?
Learn about account-based pensions
Want to grow your super to make the most of your tax-free retirement income stream?
Discover super boosting strategies
Continue working as you wind down towards retirement
A transition to retirement strategy allows you to withdraw money from your super while cutting down the hours you work – this way, you can make up for your reduced wage with regular super payments. You can typically set one up at the age of 60, but because everyone’s situation is different, we recommend booking a call to speak with us first.
Want to enjoy the best of both worlds, work and leisure, as you approach your next chapter?
Learn about transition to retirement
Would you like to learn how the Age Pension works, and discover how much you might be able to get?
Learn about the Age Pension
Do you need guidance on your next steps?
Stay on track towards the financial future you’ve worked towards your entire life with our expert support.
Our guidance consultants are here to help you every step of the way on your retirement journey – at no extra cost.
We can help you set up a retirement income stream, discuss super boosting strategies, and provide general financial advice.
We can also recommend more comprehensive financial advice options, if that’s what you need.
Schedule a free appointment today, or call us on 13 13 36.
Need a helping hand easing into the retirement of your dreams?
Book a free retirement consultation today
Curious about the seven biggest mistakes Australians make when they plan their retirement?
Learn how you can avoid them
What’s the best way to access your super when you retire?
Accessing your super during retirement
Set up a tax-free income stream
Accessing your super through a retirement income stream, also called an account-based pension, can help you avoid paying unnecessary tax on your super investment earnings, and allows you to access your money with flexibility and ease. Members can now start an account-based pension in minutes with our new market-leading application.
Helping you achieve financial freedom.
How can we help you achieve yours?
Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products.
Information on this webpage is provided by AIL. It may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at https://www.cfs.com.au/tmd which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at www.cfs.com.au or by calling us on 13 13 36.
Past performance or awards are no indication of future performance.