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Pension options
Find out how a UniSuper pension can help you manage your retirement income.
Lump sum or pension?
When you retire, you can either take your superannuation as a lump sum or convert it into a pension to provide an ongoing income stream. So why choose a pension?
For starters, it can offer significant tax advantages – a pension could defer lump sum tax if you’re under age 60, eliminate tax on investment earnings and give you a rebate on annual pension payments. And using your retirement savings to fund your pension may mean you still get access to the government's aged pension and other Social Security benefits.
Your UniSuper pension options
Our cost-effective pensions give you plenty of options for managing your retirement income. If you want a tax-effective retirement income option, investment choice, income flexibility, access to your capital or a pre-determined regular income, UniSuper has a pension to suit you.
So which option best suits you?
All UniSuper pensions can be used to Transition to retirement
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