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What's an account-based pension?

Account-based pensions like our Retirement Income account let you keep your super invested and earning returns when you retire. And the best part is you can get regular payments from your account.

With added tax benefits, you have the freedom to take out money when needed, giving you the flexibility and confidence to enjoy this next stage of life.

This account works well together with our Lifetime Pension and/or the Age Pension.

Open a Retirement Income account
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Account-based pension benefits

  • Tax-free payments and investments

    Over 60? Your income payments and investment earnings are tax-free.

  • Get a retirement bonus

    You could get our Retirement Bonus to kick-start your account.

  • Withdraw money as needed

    Take out one-off payments from your balance when you need.


Retire with award-winning value

Our Retirement Income account has been awarded for outstanding value for money over many years.

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SuperRatings Platinum Pension 2025 award
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Rainmaker 2025 Retirement Income account award

How an account-based pension works

Open a Retirement Income account

Transfer at least $30,000 from your Super Savings Accumulation account or another super fund to open your account.

Get regular payments

Decide how much and when you get paid. Take out extra one-off payments when you need to.

Your balance continues to be invested

Pick from a range of investment options, and tell us what investment options you want to take money from.

Try our account-based pension calculator

Use our retirement calculator to see how long your super could last, and if you're on track for the retirement you want.

Use our retirement calculator
Got more questions?

You can speak with a financial adviser about retiring with ART – the cost is included with your membership.1

Book an appointment

How to open a Retirement Income account

  1. Log in to Member Online, or if you're not a member, join today.

  2. In the menu, select Account, then Set up an Income account.

  3. Follow the steps to start your account.

Open your account now
Check your eligibility

You can open our Retirement Income account if:

  • You've reached age 60 (your preservation age) and retired
  • You're 65 years or older
  • You've stopped working with your employer after turning 60
  • You've been given an eligible death benefit
  • You've met another approved reason to access your super early

How an account-based pension works with other income sources

Our retirement products are designed to be used on their own or combined with other income streams. Not quite ready to retire? Check out our Transition to Retirement account instead.

Retirement Income account

Income for lifestyle

Turn your super into a regular income when you retire.

  • Works with other pensions
  • Tax benefits if you're over 60
  • Choose your investment options
  • Flexible payment options
Lifetime Pension

Income for life

Add security with an income for life and money-back protection.

  • Never runs out
  • Possible Age Pension benefits
  • Payments adjusted yearly
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Age Pension

Income safety net

Government payments to help eligible retirees pay for the essentials.

  • Safety net
  • Budget lifestyle only
  • Payments based on your assets and income
Tell me more

Account-based pension rules

Here's what you need to know to turn your super into a regular source of tax-free income and enjoy life after work.

Need more details?

Read the Product Disclosure Statement for a summary of the features, benefits, and risks of our retirement products.

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We're here to help you retire well with confidence

We're focused on strong long-term investment returns, competitive fees and access to advice you need to manage your super and retirement.

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More contact options

Fund name: Australian Retirement Trust 
Account type: Super Savings 
ABN: 60 905 115 063 
USI: 60 905 115 063 003

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Acknowledgement of Country
We want to respectfully acknowledge the Traditional Owners and Custodians of these lands, seas, and waters throughout Australia. We pay our respects to Elders both past and present. We acknowledge the history, the resilience and the continual contributions of Aboriginal and Torres Strait Islander peoples of their Country.

The information on this website contains general information only. It doesn’t consider your personal objectives, financial situation, or needs. Before making any decisions about ART, you should read the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD) to consider whether the product is right for you.