Plum Retirement Income 

Plum Retirement Income is an account-based pension product available exclusively to Plum Super members. It provides a simple and flexible way to convert your super into a steady retirement income stream.

Plum Retirement Income Investment Paths

When it comes to income streams, we understand that some people like to be actively involved in investment decisions, whilst others prefer to leave it to the experts. For this reason, Plum Retirement Income offers a choice of two different Investment Paths to suit varying levels of involvement and investment knowledge:

  • Cultivator Investment Path
  • Self Select Investment Path

Cultivator Investment Path

Get in-built smarts to do the work.

The Cultivator Investment Path has in-built smarts that help make investment decisions for you – leaving you to enjoy the next chapter of your life. 

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Self Select Investment Path

Grow your retirement your own way.

The Self Select Investment Path puts you in control. If you’re thinking of starting a Transition to Retirement pension, you can only invest in the Self Select Investment Path.

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Your Plum Retirement Income account can be opened as either:

  • An account based pension or
  • A Transition to Retirement account based-pension

As a member of Plum Retirement Income, you'll enjoy:

  • Regular pension payments made directly into your nominated bank account
  • The ability to withdraw all or part of your balance at any time (if eligible)
  • The flexibility to choose an Investment Path specific to your retirement needs
  • The ability to make a reversionary, binding, or non-bindng beneficiary nomination
  • Access to financial advice services
  • Online access so you can switch your investments at any time
  • Access to annual tax and Pay As You Go (PAYG) statements where applicable


Compare apples with apples. Chant West has awarded Plum Retirement Income with their 5 Apples Pension Rating 2018. For more information about the methodology used by Chant West, see

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Get growing

The account based pension in Plum Retirement Income is based on the amount you choose to invest in your account. It’s not a guaranteed income for life, so it’s important to determine whether it’s right for you.

To open a Plum Retirement Income account log onto your online account, call us on 1300 55 7586, 8am and 7pm AEST (8pm daylight savings time), Monday to Friday or chat with us online.

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Things to consider

NULIS Nominees (Australia) Limited is the trustee of the MLC Super Fund ABN 70 732 426 024 and the issuer of Plum Retirement Income product. Plum is a division of the MLC Super Fund. A Product Disclosure Statement (PDS) for the Plum Retirement Income Product is available at or by calling 1300 55 7586. You should obtain and consider the PDS for this product before making any decision about whether to acquire or continue to hold the product. Any advice or information provided is general only, and has been prepared without taking into account your particular circumstances and needs. Before acting on any advice on this website you should assess or seek advice on whether it is appropriate for your needs, financial situation and investment objectives. Any general tax information provided in this publication is intended as a guide only and is based on our general understanding of taxation laws. It is not intended to be a substitute for specialised taxation advice or an assessment of your liabilities, obligations or claim entitlements that arise, or could arise, under taxation law, and we recommend you consult with a registered tax agent. You should also remember that past performance is not a reliable indicator of future performance. The information in this document is current as at 1 July 2017. It may be subject to change into the future © NULIS Nominees (Australia) 2017.

The phone based application service for the Plum Retirement Income product (and any general advice in the phone call) is provided by National Australia Bank Limited ABN 12 004 044 937 AFSL No. 230686 (NAB). NAB and NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL 236465 are part of the National Australia Bank Group of Companies. An investment with NULIS Nominees (Australia) Limited is not a deposit or liability of, and is not guaranteed by National Australia Bank Limited ABN 12 004 044 937 AFSL 230686 (NAB). NAB does not guarantee or otherwise accept any liability in respect of this product.


If you would like further assistance

Call us on 1300 55 7586

Outside of Australia call +61 3 9222 4800

8am to 7pm AEST (8pm daylight savings time),
Monday to Friday or chat with us online.

Download the PDS

Review the Plum Retirement Income PDS for more information.