Moving into a new phase of life

Entering a new phase of life can be daunting, but moving into retirement doesn’t need to be a stressful experience.

By following our six-step guide you can help you assess your options, determine your budget and priorities, and support your transition into retirement.

Are you on track to move into retirement?

If your retirement is just around the corner (within 5 years), the idea of life after work is slowly becoming a reality.

Follow the six steps below to feel more confident about your retirement journey or download our retirement planning checklist.

You can also read our article ‘How to retire well’ for key things to consider for a comfortable retirement.

Step 1.
Understand where your income can come from when you retire

Did you know your retirement income can come from different sources – not just your super?

Discover the different sources your retirement income could come from including existing assets, investments, the Age Pension, and more.

Step 2.
Estimate your super balance at retirement

Use our Retirement Savings Calculator and estimate in minutes how much super you’ll have when you retire. It’s easy to use and will show your projected super balance and income as well as any Age Pension payments you may be eligible for.

Step 3.
Boost your super

Now that you’ve got your estimated super balance, you may find you need to boost your super.

There are a number of steps you can take to increase your super balance.

Step 4.
Calculate your estimated retirement income

If you’re within 5 years of retiring, the Retirement Income Calculator can help you gain a clearer understanding of how much you’ll need to cover your living costs and estimate your income throughout your life in retirement.

It also considers other sources of income you may have outside of your super including the government Age Pension.

Step 5.
Start thinking about a retirement income account

By now, you’ll have a clearer picture of how your retirement may look financially.

As you approach retirement, now is a good idea to begin thinking about how you can turn your super balance into regular, tax-effective income through one of our retirement income accounts.

Step 6.
Chat with a retirement adviser

A chat with our award-winning advice service can help to put the pieces of the retirement puzzle together.

If you’re unsure on where to start, need advice, or just want to make sure you’re on the right track, our experienced retirement advisers are available to answer your questions.


Did you know? You can apply for the government Age Pension 13 weeks before you reach Age Pension age? It’s a good idea to apply early so you can receive any benefits from the day you’re eligible.

Our award-winning advice is here to help

A chat with our award-winning advice service can help you feel confident about planning for your retirement. We’ve been recognised as one of the best in the business for advice, having won Best Fund: Advice Services1 by external ratings agency Chant West in 2022, 2020 and 2019.

Discover more about approaching retirement

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Switching your investment strategy

Learn how to change your investment strategy as you come closer to retirement.

Super and the Age Pension

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

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Explore our Retirement Library

Explore our range of articles and discover tips, tricks, and advice to help you through your retirement journey.

  • Things you need to know
    1 Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West Awards issued 25 May 2023 are solely statements of opinion and not a recommendation in relation to making any investment decisions. Awards are current for 12 months and subject to change at any time. Awards for previous years are for historical purposes only. Full details on Chant West Awards at
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