Maximise your retirement income with an award-winning fund

Whether you’re still a few years away from retirement, or already there, CareSuper offers a range of flexible, tax-effective ways to make the most of your hard-earned super.

Still working? Here’s a way to ease into retirement

A CareSuper transition to retirement (TTR) strategy allows you to start accessing some of your super once you've reached your preservation age.

What is your preservation age?

You can access your super savings for TTR as soon as you reach your ‘preservation age’. Here’s how to figure out your preservation age:

Date of birth Preservation age
Before 1 July 1960 55
1 July 1960 - 30 June 1961 56
1 July 1961 - 30 June 1962 57
1 July 1962 - 30 June 1963 58
1 July 1963 - 30 June 1964 59
After 30 June 1964 60

It's a flexible option if you’re still working and want to supplement your salary with pension payments from your super.

One of the advantages of a TTR strategy is that your money is invested in a tax-effective super environment.

With a CareSuper TTR strategy you could:

If you’d like to find out more about a CareSuper TTR strategy, including eligibility criteria, click here or call the CareSuper PensionLine on 1300 664 781.

If you’re a CareSuper member and you’d like some expert advice on whether a TTR strategy is right for you, consider speaking with a financial planner.*

Retired or planning to wind down soon?

Now’s the time to start thinking about the best way to convert your hard-earned super into a regular, tax-effective income. At CareSuper, we offer two key types of retirement income streams: the CareSuper Pension and the CareSuper Guaranteed Income product.

By investing through CareSuper, you’ll be part of an industry fund that is run only to benefit members, with competitive fees and a history of strong net-benefit investment returns.

CareSuper Pension

Start ‘paying yourself’ with a CareSuper Pension, which gives you:

CareSuper Guaranteed Income product

Are you looking for peace of mind in retirement? The CareSuper Guaranteed Income product offers:

To find out more, visit the Guaranteed Income section on our website refer to our Guaranteed Income PDS, talk with a financial planner or call the CareSuper PensionLine on 1300 664 781.

Three options, countless lifestyle possibilities

CareSuper’s retirement options each have their own unique features and benefits, designed to suit a range of different members and situations.

They can work individually or in combination with each other – so some people might benefit from opening more than one type of account at the same time.

For example, some people might benefit from having both a Guaranteed Income account as well as a CareSuper Pension, to help fund their individual income needs. The product (or combination or products) that’s right for you will depend on your personal circumstances and retirement goals.

To find out which combination of CareSuper’s retirement products is appropriate for you, it’s a good idea to speak to a financial planner, who can tailor a plan to support your retirement goals.*

Like to know more?

To find out more about the many ways we can help you make the most of your super savings, before and during retirement:

*Financial advice is offered through CareSuper’s relationship with Industry Fund Services Limited (IFS), and is provided by an authorisation under the Australian financial services licence of IFS, ABN 54 007 016 195, AFSL 232514.
**When we talk about a steady income for a specific number of years or even a lifetime, we’re referring to a CareSuper Guaranteed Income account. For more information read the product disclosure statement available at The information provided in this web page is general advice only and has been prepared without taking into account your particular financial needs, circumstances or objectives. You should consider your own investment objectives, financial situation and needs and read the appropriate product disclosure statement before making an investment decision. You may also wish to consult a licensed financial adviser. Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments.

CARE Super Pty Ltd (Trustee) ABN 91 006 670 060 AFSL 235226 CARE Super (Fund) ABN 98 172 275 725