retire with confidence

Being confident you’ll have the right amount of super to support you in retirement is important, and planning early pays off. HESTA helps you get ready so you’re set up to retire the way you want.

what do you need to know about retiring with HESTA?

I want to see how much money HESTA has brought in for retirees over time

Already retired or retiring soon? See the latest returns for an account that can pay you a retirement income from your super, and the investment options you can choose from, to help you compare super funds.

See performance for retiree accounts 

If I choose HESTA for my super, how much money will be taken out for fees and costs?

Your super balance isn't just about the returns flowing in, it's also affected by fees and costs coming out. As an industry super fund that works for members, our competitive fees mean more of your money stays in your super to grow.

See fees and costs for retiree accounts 

How does HESTA compare to the super fund I'm with at the moment?

Weighing up different super funds to find the best option for your retirement savings? See how the super fund you have now rates when compared to HESTA.

Use RateMySuper now 

 

 

 

we'll help you work out how much you need

Wondering if you'll have enough? We've got the support services and information to help you get your super sorted so you can relax.

Will I have enough? How much you need in retirement depends on the lifestyle you want. Find out if you’re on track.

See how much I'll need >

Should I pay off the mortgage or will it affect my Age Pension? Here are a few things for you to consider.

Mortgage vs super >

When can I get access to my super? See when you're eligible to start using your super.

See super access rules >

How much can I take out of my super to support me financially in retirement? How does it work?

See all the details >

What if I work part time? Can I access some super to top-up my income? How does that work?

See how it works >

I understand financial matters but want to master investing, wealth creation and super.

Become a super master >

 

 

 

 

answers to retirement questions

What do you want to know? Use this interactive video to get expert answers in under 5 minutes

 

 

 

 

retire on a flexible income stream

When you stop working or start winding down, did you know your super can still work hard?

HESTA’s specialised retirement products and services keep the savings in your super working for you. So your super can be invested in our Income Stream retirement account while it pays you a regular income throughout the year.

 

 




 

Take advantage of our Ready-Made Investment Strategy

 



 

 



 

Or choose from 10 flexible Income Stream investment options

 



 

 



 

Divert more of your salary to reduce the tax you pay if you're still working

 


 

 



 

Check and manage your account online or via the HESTA App, anytime

 


 

 

 

 

 

support to help you face the future with confidence

When you become a HESTA member, you can count on helpful advice and support, so you and your loved ones can face the future with confidence.

 

 

 


 

 

 


join an award-winning super fund

 

We know super. The HESTA Income Stream is a multi-award winning product^, with a long track record of industry-leading value.
 

Join us

 

 

 


 

 

 

retire your way

How to retire your way

Get set up for the retirement you deserve and truly desire. That’s what we’re all about. Thinking about retiring soon? Already retired? 

Do retirement your way 

Know how it all works

From retirement advice, to the Age Pension, rules, and estate planning, the Retirement Hub has everything you need to tackle retirement.

Go to the Retirement Hub 

 

 

how we'll help you

With an app, online tools, and expert advice to plan your future. Join HESTA and you'll have the help you need at every step to make the most of your super and face the future with confidence.


Invest in your future

See how we deliver strong long-term returns for you, while accelerating our contribution to a more sustainable world.

How to invest in your future >

 


When life's changing

Support through job and family changes to help you sort your super and insurance, understand investments, and more.

See how super could help >

 


New job, simpler super

Want super that's easy to set up for your new job and sets you up for retirement?


How to join HESTA >

 


Be a future planner

Set goals, see projections, and be ready for retirement by using Future Planner.


See how this tool works >

 

 

 

 

Join a top-performing super fund*

Giving over 1.05 million members a stronger financial future while working for real-world impact.

^ Product ratings and awards are only one factor to be considered when making a decision.

* SuperRatings 10 Year Platinum Performance 2014-2024 (MySuper)

The rating is issued by SuperRatings Pty Ltd (SuperRatings) ABN: 95 100 192 283 a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445 (Lonsec Research). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings use proprietary criteria to determine awards and ratings and may receive a fee for the use of its ratings and awards. Visit superratings.com.au for ratings information. © 2024 SuperRatings. All rights reserved.

The Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West rating (assigned February 2024) is limited to General Advice only and has been prepared without considering your objectives or financial situation, including target markets where applicable. The rating is not a recommendation to purchase, sell or hold any product and is subject to change at any time without notice. You should seek independent advice and consider the PDS or offer document before making any investment decisions. Ratings have been assigned based on third party data. Liability is not accepted, whether direct or indirect, from use of the rating. Past performance is not an indication of future performance. Refer to www.chantwest.com.au for full ratings information and our FSG.