Whether you’ve recently retired or are planning to know that we’re doing whatever it takes, to help secure your future.
We manage around $25 billion in assets on behalf of over 85,000 retirees, to ensure our members have a sustainable source of income to last throughout their retirement1, making us the largest member owned retirement provider.2
What you'll get being with us
One of the lowest fees in market3
With First State Super’s recent retirement income stream fee decrease you could be around $6,0004 or more better off in retirement.
You can find out more about how we compare as well as the
Investments managed specifically for retirement
We treat investing for retirement income streams differently to super. We understand having access to a reliable income stream is key to meeting your retirement goals, that’s why we balance the need for income generation with the need for returns above inflation.
Support and advice designed for your needs
If you need help with your retirement plans, we have the right support and advice to help you secure your future.
We know that retirement planning can be complex. We have over 220 advisers and 25 years of specialist retirement experience. Being a member owned financial advice network, you’ll receive sound and unbiased ﬁnancial advice. All our advisers are salaried and do not receive commissions to recommend products – avoiding any potential conﬂicts of interest.
It's good to be with a fund trusted by members
Some of the people we trust most in life like our nurses, doctors, paramedics, teachers, police and health service workers trust us with their super and retirement money.
We’re open to all Australians and proud to work for those who are working so hard for all of us.
Ready to explore your retirement options?
Whether retirement is just around the corner, or still a few years away, we can help. You can choose between two options:
Option 1 - Ease into retirement on your terms with a Transition to Retirement Income Stream (TRIS)
A TRIS allows you to reduce your work hours and access your super as additional income when you reach your preservation age. And there are some great tax benefits from age 60.
Option 2 - Enjoy even more flexibility with a Retirement Income Stream (RIS)
If you’ve stopped working then setting up a RIS gives you thefreedom to receive regular payments, all income you withdraw, including cash lump sum payments, is 100% tax free. So, it helps keep you going while your funds keep growing.
Not ready to retire yet?
Join a fund that's a top 10 performer*
1. First State Super, figures as of 14 April 2020
2. DEXX&R Industry Market Share Report, December 2019
3. Chant West Pension Fee Survey, December 2019
4. Based on the Retirement Income Stream product fees from 1 April 2020 (when compared with Retirement Income Stream product fees prior to 1 April 2020), with a starting balance of $250,000, default balanced growth investment option, over 25 years from age 60, assuming a net investment return of 6% p.a. and inflation of 2.5% p.a., starting with an indexed annual pension payment amount of $12,500.
*Our growth and balanced growth options delivered an average return of 7.02% per annum and 6.29% per annum over the past ten years for the period ending 31 March 2020 and ranked within the top 10 funds of the SR50 Balanced (60-76) Index and SuperRatings' SR 25 Conservative Balanced (41-59) index respectively. Investment returns are not guaranteed, and past performance is not an indicator of future performance.