When can I retire?
Your super savings are intended to help fund your lifestyle in retirement, so the government puts restrictions on when you can access them.
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'CFS had the highest score for customers’ confidence and comfort about their retirement savings'.*
We’ve paid more retirement income than anyone outside of the Australian government.
Our Australian- based call centre answers most calls within 10 seconds.†
For every stage of your retirement, we’re here to help
Thinking about retirement
33% of Aussies worry they don’t have enough to retire. #
Over 3,000 people use our retirement calculator every month. ‡
Making retirement happen
There are seven watch outs for people transitioning to retirement.
We can help you understand these and work with you to avoid paying excessive tax on your retirement savings.
Making the most of retirement
The financial regulations and limits around retirement change almost every year.
We’ll keep you updated so you can make the most of your retirement.
It’s nice to know you have choices in retirement
Did you know you can turn your super into a regular retirement income?
It’s called an account-based pension
Did you know there's an investment that pays you a guaranteed regular income over a fixed period or a lifetime?
It’s called an annuity
Did you know you could access your super before you actually retire?
It’s called a transition to retirement pension also known as TTR.
CFS can support you no matter what stage you’re at
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Have confidence that you’re with the best
Money magazine
Best of the Best
2024
Highest Super Performer - FirstChoice Employer - CFS Geared Share Select
Money magazine
Best of the Best
2024
Best Fixed Interest Pension Product
- FirstChoice Wholesale Pension - First Sentier Global Credit Income
Money magazine
Best of the Best
2024
Highest Pension Performer - FirstChoice Wholesale Pension - CFS Geared Share
Unleash in ways you never thought possible
Get in touch
Get in touch with us online or call us
Standard Operating Hours
8:30am to 6pm (Sydney time)
Holiday Period
CLOSED public holidays (25 to 26 Dec & 1 Jan)
23 Dec 2024 to 3 Jan 2025, 9am to 3pm (Sydney time)
6 to 10 Jan 2025, 8:30am to 5pm (Sydney time)
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* Source: Financial Review. Research house CoreData surveyed 3,800 workers aged over 55, and another 3,000 already-retired Australians, to ascertain how the major funds measure up on ‘preparedness to retire’ and ‘retirement satisfaction’.
† Source: CFS Contact Centre Survey, September to October 2023, 30442 out of total 58822 calls were responded within 10 seconds.
# CFS Survey, July to September 2023, based on response from 2247 customers.
‡ Source: CFS. 8935 users from launch date 20 July to 30 October 2023.
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. Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments.
Information on this webpage is provided by AIL and CFSIL. 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.