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On average, Australians are living longer, with super savings that may need to last up to 20 years or more in retirement¹. Have you considered how you will fund your retirement?

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1 in 2 members plan to get the Age Pension

Of those members aged 50 or more and still working, 27% plan to use a full pension and 22% plan to use a partial Government Age Pension². When you’re planning for retirement, you need to understand the three main ways to fund it - government support, your own savings and assets, and super-based income options.

It’s never too late to think about your life after work

No matter your circumstances, it’s important to know the various ways you can fund your retirement. More than 2 out of 3 people aged over 50 say they have been thinking about how to fund their retirement³. Here are the three main funding options, depending on your needs:

Government Age Pension

An income support payment issued to help eligible retirees fund their basic living expenses for life after they finish working. Find out if you could be eligible.

Personal savings and assets

Any property, shares or personal savings you own can also make up part of your income in retirement alongside super.

Super and account-based pension

Account-based pensions are a retirement income option that pays you a regular income each year from your super, whilst keeping the remaining savings invested. At AustralianSuper, you can choose to retire with our award-winning account-based pension - Choice Income⁴.

What could retirement look like?

Use the Super Projection Calculator to find out how long your savings might last, and how adding extra could help⁵.

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Disclaimers
1. Australia’s health 2024: Australian institute of health and welfare. Accessed: March 2026. Retirement and Retirement Intentions, Australia, ABS. Released 31 October 2025. Accessed: March 2026.
2. AustralianSuper Brand and Market Tracking, June 2025 Report for FY 2021-2026. 1,661 working members age 50+ and working.
3. AustralianSuper Super Snapshot 2025. Surveyed 8,636 respondents aged over 50 and not retired.
4. AustralianSuper received the Canstar Outstanding Value Award – Account Based Pension in 2018-2025. Read the full methodology here. Awards and ratings are only one factor to be taken into account when choosing a super fund.
5. Before adding to your super, consider your financial circumstances, eligibility, contribution caps that may apply, tax issues and when your super can be accessed. We recommend you consider seeking financial advice.