How long until you retire?

5 years before retirement
3 years before retirement
1 year before retirement
3 months before retirement
1 month before retirement

If it’s about 5 years before you plan to retire, here are some key things to consider:

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Learn how to make the most of your super and your future options

Check your super

What’s your current super balance? What amount “should” you have now to achieve your retirement goals?

If you’re behind where you want to be, does your super need a boost?

Are you keeping track of all your super accounts? Check for any lost super. Consider rolling other super over to reduce fees.

Have you nominated a beneficiary or beneficiaries to receive your super if you die?

Check your general finances

Do you have debts to pay down? Are you planning to pay them off before you retire? Or pay them with your super benefit?

Do you have money in the bank that could be working harder for you? You could take advantage of putting additional money into super.

Speak to your partner

Are you in agreement on your retirement plans? Does your partner’s super need a boost?

Consider your current living situation

If you own your home, are you considering downsizing in future? You could possibly put the proceeds from the sale into your super.

If it’s about 3 years before you plan to retire, here are some key things to consider:

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A good time to check you are still on top of all the options that are available to you.

Check your super

Check that you are on track to achieve your retirement balance goals. if not, what steps can you take to boost your super.

Check your general finances

If you haven’t already, think about how you’ll deal with any outstanding debts, or consider putting additional money into your super.


If it’s around 12 months to your retirement, you might like to think about these things:

Speak to us

Check in with our Member Services team to make sure you are still on top of all the options available to you. Have things changed with legislation and super laws? What about changes in your own situation?

Consider your options

Will you need to set up an Income Stream to draw a regular income from your super as soon as you retire? Or, do you have other income that you plan to live off at first? Remember, speaking to us can help you ensure you’re across all your options.

Make some lifestyle and leisure plans

Make a list of suggestions for yourself on how you’d like to spend your time.

Are there activities you could take up now that you can carry into retirement to help make the transition into retirement easier for you?

If you plan to travel, consider early-bird booking prices and make sure you stay on top of the current vaccination requirements.


With about 3 months to go until retirement, you’re getting to the business end of planning. Here are some things to think about:

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Check in with us that you’re on track and make sure you understand all your options. This can include strategies around re-contribution, maximising Centrelink benefits and increasing your spouse’s super.

Consolidate your money

Do you have other super or ‘spare’ cash that you’re planning to consolidate into your retirement money? It could be the time to bring your money together to get ready.

You can count the time to retirement in mere days. Here are a few key steps to take:

Meet with us

We can help you ensure you have all your paperwork retirements completed so your income can continue seamlessly when you retire.

Let people know

Let your contacts and colleagues know and set up alternative contact details for them to use.

Let us know too!

Make sure that the contact details we have for you will still work after you’ve left your employer. update your email to a personal email address and, if your phone number is changing, let us know so we can reach out to you if we need to.

If you're aged between 60-67, you might have additional options

Transition to Retirement
Your leave entitlements

Working fewer hours to ‘practise’ for life in retirement might work for you. Depending on your situation, you may be able to access your super to supplement your reduced take-home pay while you’re working less hours.

Or you might be able to use Transition to Retirement to top up your super, while, at the same time, using your super to supplement your take-home income, which could give you financial advantages.

Find out more about Transition to Retirement here. Or speak to us to find out if this could be something that might work for you.


Do you have long service leave or annual leave that you could use to help you move into your retirement – taking regular leave between now and retirement, or in a block at the end of your working life.

Speak to your HR team about the options available to you.

While you are aged 60-67, you may be able to take your super out and recontribute it to your super, or to your spouse’s super, which could provide benefits for your adult children (if they are your beneficiaries) and recontribution could also increase your access to Centrelink benefits in some cases.

Come and talk to us

Get your super sorted with a face to face consultation.

No cost. Start growing your super today.