Planning for retirement
Start planning your retirement to get an idea of how much you'll need for the lifestyle you want, and how to maximise your super to help you feel financially prepared and excited when the time comes.
Plan for your retirementretire your way
Whether you're close to stepping away from work or still building towards it, we'll help you understand your options for a happy retirement.
choose where you're at
Retirement will be different for everyone. Choose the stage you're in to see what you need to know.
Retiring soon
Ready to reduce your working hours or boost your super before retirement? See how you can ease into retirement with a Transition to Retirement (TTR) Income Stream.
Retiring soon
Ready to retire
A Retirement Income Stream (RIS) is a flexible way to access your super when you retire. You can receive a regular income (tax free if you're 60 or over) while the balance stays invested for you throughout your retirement.
Ready to retire
see what your super could look like
in the future
Our Future Planner tool can help you:
- see how much money you're projected to have in retirement
- see how your projected annual household income compares to the Association of Superannuation Funds of Australia (ASFA) comfortable retirement standard; and
- explore options to grow your super.
For illustrative purposes only.
want an account that provides you with a regular income?
If you're already a HESTA member, log in to your account and you can apply for an income stream account online if you're eligible.
Not a member? Join us
Consider whether this product is appropriate for you by reading the PDS and TMD.
want practical advice and tips?
Register to join us for an information session.
Stay Super Fit
Join us to get tips and tools to improve your financial wellbeing and find out what you can do to make the most of your super before retirement.
Find a Super Fit info session
Figure out your path to retirement
Our experts will talk through options for retirement, tax tips for super and retirement savings, contributions and investment strategies, and what you can do next.
Find a Path to retirement session
Learn about life in retirement
HESTA super advisers will talk you through Centrelink and the Age Pension, downsizer contributions, estate planning, investment options and more.
Find a Retirement and beyond session
more on retirement
When can I get access to my super? See when you're eligible to start using your super.
Should I pay off the mortgage or will it affect my Age Pension? Here are a few things for you to consider.
Our Retirement Income Strategy summary may help you decide how you can make the most of this time in your life.
Our Income Stream Ready-Made strategy offers a simple solution to reduce investment risk over time.
Ready. Set. Plan. Our simple online tools are a good starting point for getting your super and finances sorted.
See our income stream forms, including managing your payments, beneficiary nomination form, and more.
Talk to a HESTA retirement expert
Our retirement experts are ready and waiting to guide you through making the most of life in retirement.