Planning for retirement

Planning for retirement at any age

Giving up work and living off your retirement savings takes planning. There are a range of tools and resources to help you create your next chapter with confidence and guide you throughout your retirement.

Thinking about retirement

Ready to exit your scheme or access your deferred benefit

Already retired

Knowing your options is key to making sure you make the best decisions for your retirement.

Getting ready to exit your scheme or access your deferred benefit comes with some big decisions.

Just because you’re retired doesn’t mean you stop making decisions about your money.

You might want  to:

You might want to:

You might want to:

Centrelink and government benefits

To assess your pension entitlement, you must look at both the Income and Assets tests. Centrelink will apply whichever test results in the lower rate, even if it means you are ineligible for the pension. Your State Super pension is not assessed under the Age Pension Assets Test. If you would like to know more, please contact Centrelink on 132 300 or visit

To find out more, call Aware Super on 1800 620 305 or visit

Aware Super logo

Note: Aware Financial Services Australia Limited (Aware Financial Services) (ABN 86 003 742 756) holds an Australian Financial Services Licence (AFSL number 238430) and is able to provide you with financial product advice. Aware Financial Services is owned by Aware Super Pty Ltd as trustee of Aware Super. State Super does not pay fees to, nor receives any commissions from Aware Financial Services for financial planning and member seminar services provided to State Super members. Neither State Super nor the New South Wales Government take any responsibility for the services offered by Aware Financial Services and its related entities, nor do they guarantee the performance of any service or product provided by Aware Financial Services and its related entities.