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Starting your retirement plan

Planning for retirement gets you closer to living your dreams. Whether you're 55 or 25, it's never too early or too late to start preparing for retirement.

And if you need to retire unexpectedly, having a retirement plan already in place can help ease the stress.

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Will you have enough for retirement?

55% of Australians aren't sure they'll have enough super by the time they retire.

Source: ART Financial Wellbeing Index 2024. Survey of 1,000 Australians, carried out by Ipsos on behalf of Australian Retirement Trust from September to November 2023.

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How to plan for retirement

Use this simple guide to start creating your retirement plan. Come back as often as you need to stay on track.

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When do you want to retire?

When planning for retirement, you'll need to know how much time you have to save up and how long your super needs to last. But be ready for your retirement plan to change, too.

Other things to think about when planning for retirement:

  • What money will you live on?
  • Where will it come from?
  • Will you be able to get government benefits like the Age Pension?
When can I access my super
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How much super will you need?

It all depends on your situation, like your health, whether you own your home, and how long your money needs to last.

What's your plan for retirement?

Now's the time to get an idea of what lifestyle you're budgeting for and how much you'll need overall. You need to balance how much you want with how much you can afford.


Is your balance on track for your retirement plan?

Now check how your current super balance measures up.

One way to do this is to see how much super you should have at your age for a comfortable retirement.

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How much super should I have?

See how you compare with others your age.

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Get help with retirement financial planning

Advice about retirement financial planning and managing your income in retirement is part of your membership.1

Transition into retirement
What if my retirement plan changes and I need to retire sooner?

Need more super?

There are lots of ways to grow your super balance before you retire with contributions, bonuses, and more.

How to grow my super

Retiring soon? Make your super go the distance

Once you can access your super, there are different ways you can use it. Like turning it into a regular income, or taking out money when you want. Or both.

Our award-winning pension accounts keep your super working for you in retirement.

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Retire with outstanding value

Feel confident you're getting value for money with Canstar's highest rating for our Income accounts.

Transition to Retirement Income account

Get regular payments from your super while still working.

Retirement Income account

Regular payments using our account-based pension. Change your payments and withdraw money anytime.

Lifetime Pension

Payments for the rest of your life, no matter how long you live. You can combine this with an income account.

More info on our Income accounts
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Put your retirement plan to work

Log in to Member Online to track your super, manage your investments, or make changes to your account.

Log in

Not a member? Join now.

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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.