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Why set up a super income stream with us?

Your superannuation doesn't need to stop working when you do. With our 3 pension options, you can get regular tax-free payments into your bank account from age 60. Plus save tax on your retirement investments.

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Tax-free retirement income

Keep your money invested and get tax-free income from age 60. Earnings on investments are usually tax-free, too.1

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Payments that suit you

Choose how much and how often you get paid. Or get an income for life with our Lifetime Pension.

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Get a Retirement Bonus

Check to see if you can get our Retirement Bonus to kick-start your account.

Pick the best retirement account for you

Investing your money to last you through retirement is just as important as building it up in the first place. Our account-based pensions work together with our Lifetime Pension and the Age Pension, too. Compare each product's features.

Nearing retirement

Transition to Retirement (TTR) Income account

  • Get payments while still working

  • Continue growing your super

  • Flexible payment options

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Retirement Income account

  • Works with other pensions

  • Choose your investment options

  • Flexible payment options

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Lifetime Pension

  • Income for life, never runs out

  • Possible Age Pension benefits

  • Payments adjusted yearly

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Ready to open an income stream?

Ready to open an income stream?

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Apply for a Lifetime Pension

Apply for a Lifetime Pension

Follow the 3 steps on the QSuper website.

Retire with your own support team

Enjoy your retirement and let someone else help manage your savings. As one of Australia's largest super funds, we seek out world-class investments to keep your super growing.

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Investment performance

We focus on strong long-term returns to get the most out of your savings.

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Professional guidance

Feel on top of your super income streams with our tools and advice.

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Profit for members

We're for members, not shareholders, so you get the benefits.

FAQs about retirement income stream options

Learn more about how our retirement accounts work, or book a call with one of our financial advisers.

Read more FAQs

An income stream is a way to get regular payments into your bank account from your superannuation.

  • Our Retirement Income account and Lifetime Pension are both types of retirement income streams.
  • Our Transition to Retirement (TTR) Income account is another type of super income stream.

With our Income accounts, you choose how much and how often you get paid. But the government's set a minimum payment for both account types, and a maximum for TTR accounts.

We invest the balance in your Income account and you get investment returns or earnings. It's just like your normal super account.

If you want to, you can also take out money from your Retirement Income account on top of your regular payments.

Use our Retirement Forecaster Calculator to see what happens if you make extra contributions, reduce your hours, or get the Age Pension.

Qualified financial advisers can help you make decisions about:

  • Moving into retirement
  • How much money you'll need to spend in retirement
  • The government Age Pension
  • Your income options in retirement
  • Things to consider like limits on how much you can transfer to a Retirement Income Account or Lifetime Pension.

Check your advice options for your account and our retirement products.

You can see how much your Income account would cost based on your super balance by checking our fees.

For our Lifetime Pension, the Lifetime Pension pool pays most fees and costs. Learn more in the Lifetime Pension FAQs .

We're a profit-for-members fund. This means we're focused on lower fees and we reinvest profits back to members as better value products and services.

You can choose from a wide range of investment options for your Income account. And it's easy to check the investment returns anytime online.

Our Retirement Income accounts have won multiple awards over many years. In fact, SuperRatings has given our Retirement Income account a 15-year Platinum performance award again in 2024.2

For our Lifetime Pension, your money is invested collectively in the QSuper Balanced investment option for Retirement Income accounts. Your payments change each year based on the financial performance of the Lifetime Pension pool.

The quickest way to apply for a super withdrawal is through Member Online. Before you do, it's a good idea to get financial advice to make sure you don't pay too much tax.

Check the ways to access super.

Many people think they need to withdraw their super all at once, as a lump sum, at retirement. But you don't have to.

You can set up regular payments with a retirement income stream or take out money as you need it.

Compare account types

Each of our account types uses different features to give you the security and certainty to enjoy your retirement. Use our retirement products on their own or combine them to suit your goals.

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Set yourself up for life

Get tax-free payments and keep your super earning, so you can get on with enjoying life after work.

1. Tax benefits depend on your age and the account type. Get all the details by downloading our Super Savings Product Disclosure Statement for Income Account and Lifetime Pension.

2. 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 uses objective criteria and receives a fee for publishing awards. Visit for ratings information and to access the full report. © 2024 SuperRatings. All rights reserved.