kickstart your retirement

If you're still working, there's still time to increase your retirement savings. A Transition to Retirement Income Stream might work for you. It can help minimise tax and is flexible to suit you.

Apply now

it gives you options

Most of our members use a Transition to Retirement (TTR) Income Stream strategy to boost their savings before they retire. Some also use it to maintain their income while winding down.


What are the benefits?


Your current income and lifestyle don't need to change.


You can give your retirement savings a real kick.


Under 60? Income from your TTR account is taxed at your marginal rate with an offset of 15% available.


Over 60? Income from your TTR account is tax-free.





how it works


1. Firstly, you'll need to set up a new HESTA Income Stream account using a TTR strategy alongside your super account.


2. You can then tip a bit more into your super from your current income through salary sacrifice contributions (you might already be doing this) which could reduce your tax bill.


3. Then, you can use your TTR to replace what you've added to your super so there’s little or no effect on your regular income.






ready to apply?


Log in to your online account and start your application via the 'Income stream' tab. This tab will only appear if you've reached your preservation age.

To apply, you'll need:

  • a minimum investment of $50,000 in your super account
  • to have reached preservation age (that’s the age you can access your super as an income), and
  • to understand your options if you or your partner currently receive any entitlements (or expect to in the future). Contact the Financial Information Service at Centrelink on 13 23 00.

Apply now






right here when you need us

If you're currently thinking about your plans for the future, it's alright not to have all the answers. We know your retirement is one of the most important decisions you'll make.

We're here to help. Call 1300 734 479 to discuss your options.




prefer a paper application form?

Download the HESTA Income Stream Product Disclosure Statement (PDS) to read more details and to start your paper application.



what's next?

Planning your happy ever after

Read more about about planning your next chapter, including case studies about how other members have started transitioning.

Download now


Already have a TTR? Make sure it still suits your life right now.

Learn more

Get advice

Our advice service can help you decide if a TTR Income Stream is right for you. Provide us with a few details and a team member will call you to chat.

Make a time to talk

Not a HESTA member yet?

As a specialist industry super fund dedicated to people in health and community services, we know what makes our members tick. Become a HESTA member, and you can count on us to make super and retirement simple for you.


As superannuation specialists, we’re here to help members make big decisions – including how your super can be a part of your next chapter. Not a member? Join us