plan for retirement
If you plan for the retirement lifestyle you want, you're more likely to feel excited and financially prepared, and less worried when the time comes.
getting started
Understand how much money you need, how much you already have,
and how to grow your super balance.
How much super will I need in retirement?
The answer's different for everyone, but figuring out how much you'll need for the lifestyle you want is a great place to start.
But how much will I actually have when I retire?
If you're a HESTA member, you can use the Future Planner tool to see how much super you're projected to have when you retire.
How can I boost my super balance for retirement?
Explore the different ways you could grow your super before retirement and the rules you need to know about.
withdrawing and accessing your super
in retirement
Superannuation is a long-term investment designed to support your future self,
which is why there are strict rules about when you can access it.
Accessing your super when you retire
You have options when it comes to accessing your money when you retire. Here's how it works.
Accessing super when you retire
Help with your retirement planning
Our retirement experts can help you understand the best way to plan for retirement, your options for accessing your super in retirement, and answer any questions you might have.
5 minutes with Blake:
Common questions about
super and retirement
HESTA super expert, Blake Beaumont, reveals the answers to the most common questions asked by HESTA members.
stay invested with us throughout retirement
Some people think their super fund retires when they do — so they withdraw all
their money or stop looking for ways to keep it growing.
With HESTA, our specialised services and products mean your super can keep
working for you when you start winding back from work, and long after you stop.
Stepping back from work and easing into retirement
You could start winding back at work and receive an income from your super through a HESTA Transition to Retirement account. You can still grow your retirement savings, and it could help minimise your tax too.
What happens when you're ready to fully retire?
See how your super savings can be turned into an income with a HESTA Retirement Income Stream account, so you'll know how to move out of the workforce and into retirement when it's time.
See how an income in retirement works
join us at our path to retirement seminar
Our Path to retirement seminars explore how you can take advantage of your super before you scale back or stop working.
These sessions include tax tips and contribution strategies, how your super could provide you with an income in retirement, and much more.
Need help planning your retirement?
A little advice goes a long way. As a HESTA member, you have access to dedicated experts to help you start planning for retirement at no extra cost.