retiring your way with HESTA

Whether retirement is just around the corner, or still a few years away, we can help you get the most out of your super. Join a top-performing super fund* working for real-world impact.

Join us


our HESTA Income Stream

Most people think that their super fund retires when they do — so they withdraw their money or stop looking for ways to increase its value. But with HESTA, our specialised services and products mean your super keeps working, long after you stop.

A HESTA Income Stream account keeps your super invested, and 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




how a HESTA Income Stream works


It's an account-based pension, and a flexible way to access your super after you retire.

By opening a retirement income stream using your super, you can receive a regular income (tax free if you're over 60) while the balance stays invested for you.




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







 we can help you, in and out of retirement


Transitioning to retirement

With a HESTA Transition to Retirement (TTR) Income Stream, you could start winding back at work while using some income from your super, and still grow your retirement savings — it could help minimise your tax too.

Transition to retirement with HESTA 

Expert help when you need it

HESTA members can get financial help and advice at no extra cost — it’s all part of being with HESTA. Members can access it whenever and wherever they like: online, over the phone, or face-to-face.

See the advice services we offer 

Information sessions

Members can join us at our information sessions in person or online to hear our Superannuation Specialists break down all things super and retirement.

See our member information sessions 



 super with impact

At HESTA, we invest in and for people who make our world better.

Super with impact is the positive outcome we create by supporting our members to face the future with confidence, being a gutsy advocate for a fair and healthy community, and delivering investment excellence with impact. 




Facing the future
with confidence

We use our deep understanding of our members to design information, tools and support to make a meaningful impact on their confidence about the future.





Gutsy advocate for a fair and healthy community

We use our collective voice to help address inequities impacting our members and those we see falling behind.





Investment excellence with impact

We use our expertise and influence to deliver strong long-term returns while accelerating our contribution to a more sustainable world.




join HESTA

Join a top-performing super fund* giving over 1 million members a stronger financial future while working for real-world impact.


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

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

Ratings are published by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). 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. © 2023 SuperRatings. All rights reserved.

© Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872 under AF 2021. The Chant West rating (assigned 2019 and 2021) referred to in this piece is limited to “General Advice” (s766B Corporations Act 2001).  Individuals should seek their own independent financial advice and consider the appropriateness of any financial product in light of their own circumstances and needs before making any investment decision. The advice has been prepared without taking into account the objectives, financial situation or needs of any individual, including target markets of financial products, where applicable, and is subject to change at any time without prior notice.  It is not a specific recommendation to purchase, sell or hold the relevant product(s). Investors should seek independent financial advice before making an investment decision and should consider the appropriateness of this advice in light of their own objectives, financial situation and needs.  Investors should obtain a copy of, and consider the PDS or offer document before making any decision.  Past performance is not an indication of future performance. Chant West does not make any representation or give any guarantee or assurance as to the performance or success of any financial product based on the ratings.  Chant West may charge the product issuer, fund manager or related party for use of ratings.  Chant West does not accept any liability whether direct or indirect, arising from use of the information. Chant West ratings and research are prepared by Chant West and are not connected in any way to research and ratings prepared by any of our related entities. Full details regarding Chant West’s research methodology, processes, ratings definitions are available at and Chant West’s Financial Services Guide is available at