Make the rest of your life the best of your life

A lot of dreaming and a little planning can help you prepare for life after work. We’re here to help you figure out what you want and help with your retirement planning.

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Flexi Pension

Pay yourself a regular income from your super. Choose how to invest your money, with the flexibility to change your income payments.

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Indexed pensions

Receive a regular monthly income for the rest of your life. Your payments will increase to keep up with inflation, and you won’t need to manage any investments.

Plan your retirement

Plan for the retirement lifestyle you want

What’s your dream retirement? Learn how to make it happen.

See what you can do with your super when you retire

Withdraw it, start an income stream, leave it where it is, or a combination. 

See if you're eligible for the government Age Pension

You may be able to receive the government Age Pension, even if you’re drawing from your super.

Getting retirement ready

Flexi Pension member Dr Carol Williams talks about how she prepared for life after work, what kind of lifestyle she wanted, and how her pension works for her.

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    Disclaimer: What you're about to read is of a general nature and doesn't take into account your personal financial situation, needs or objectives. We recommend you seek financial advice before making any decisions about your super and consider the relevant UniSuper product disclosure statement.


    Well, the last five years of my working life, I was on a pre-retirement contract from Monash. When I first went on it, wasn't really sure that I felt like retiring in five years time. But as the years pass, as those five years were worked through, I became happier and happier with the concept of leaving behind some of the things that weren't perhaps on the top of my preference list. Some of them like administration, and marking, and things that really start to get you down. So I was beginning to look forward to retiring and that was made easier by the transition to retirement program that I was on with UniSuper.

    I heard about UniSuper Advice first from one of those seminars that UniSuper offer on a regular basis and it seemed like a really practical thing for me to seek. I would say to members that haven't had financial advice. So this is certainly something they should put in their back pocket as something they'll need to do in order to be able to control their own lives.

    I'm not particularly interested in money. I'm really not. I'm not into the mystery of magic of working the stock markets or anything. So I knew I would need somebody who could help me with my resources and point me in the direction of practical management of those resources. I wanted something that would more or less emulate my working life. I wanted a salary. So that's basically what I was aiming for. And I wanted somebody to just deliver a nice little amount of money into my bank account every fortnight. So it was just as if I was continuing to work, but not actually having to work.

    I guess I've established a quality of life over many years and Flexi Pension is allowing me to maintain that quality of life, which has been absolutely wonderful. So I don't have to... Look, I don't live an expensive lifestyle. You know, I do a little bit of travel, I like lovely food, I like particularly nice wine, I, you know, I don't stint on anything, but I don't think I live the high life. That's what it's all about, and it's been a really good experience for me.

Manage your pension

Your pension payments

Learn how pension payments work, how to decide on an annual payment amount and how to change your payment dates.

Make a pension withdrawal
Learn how to make a withdrawal from your Flexi Pension account. Indexed pensions don’t generally allow for lump-sum withdrawals.
Transfer balance cap

A limit applies to the total amount of tax-free super that you can hold in your retirement. Find out how it affects you and your super.

Choose a pension beneficiary

Most of our pension products let you leave your money to a loved one. Learn about the options for your pension.

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