I’m starting to plan my retirement
It’s never too early or too late to start planning.
Retirement calculators
Curious about how much super you’ll have at retirement, and how small changes today could make a big impact? Plum members can log in to access the personal super calculator for a personalised report.
Retirement planning guides
Kickstart your planning with our practical SuperFit guides. Designed to help you shape up your super and bulk up your knowledge.
I’m 60 and want to work less
Turning 60 means you can access your super - even if you’re still working.
Transitioning to retirement
With a Transition to retirement (TTR) account, you can work less, without reducing your income. It’s a smart way to make the most of what you’ve built.
Learn how TTR works and speak to our financial coaching team.
How much do I need to retire?
There’s no single answer - because retirement looks different for everyone. It’s about building a life that reflects what matters most to you.
I’m 65 and ready to retire
Retirement is a new life chapter. Like all new beginnings it involves planning ahead and making the financial decisions that are right for you.
Turn your super into regular, tax-free income
Set up your pension your way. Choose how much and how often you get paid, tax-free and tailored to your lifestyle.
I’m retired
Living your dream retirement? We hope so and we’re here to help you keep it that way. Settled into retirement? We’re here to help you stay on track and keep things running smoothly.
Smart tools at your fingertips
Make the most of our online tools and app. You can easily manage your account and adjust your investments at any time, all in just a few clicks.
Log in to your account
Estate planning
Explore the essentials of estate planning. Protect what you’ve built over the years, now.
Open a Plum pension account
Be a part of a top-rated, best value for money pension2
Log in and visit the retirement section in your online account.
Why retire with Plum? We're committed to supporting you as you move from working life into retirement.
- You can set up a regular, tax-free income to suit your lifestyle
- The flexibility to choose an Investment Path specific to your retirement needs
- Access to financial advice services
- The ability to choose who your pension goes to when you pass away
Financial coaching, at no extra cost
Life isn’t always predictable, the right support can make all the difference. That’s why we offer expert advice, at no extra cost.
Our coaching team can provide general advice to Plum members on a wide range of superannuation topics including planning for retirement and Government Age Pension eligibility.
SuperFit guides
Are you between 50 and 65? We have an essential guide to help you get SuperFit.
These practical guides are the training plans for your super. Build lasting financial strength, make confident moves, and transition into retirement with ease.
Webinars
Almost retired? Almost ready? Let’s close the gap.
Watch our expert-led Retirement Ready webinar – May Session to get your retirement ducks in a row. If you’re starting to think about what’s next, this webinar could be for you.
Find out:
- the steps to take as you move closer to retirement
- ways to grow and make the most of your super
- how to navigate market ups and downs
- how to balance big purchases with making your money last
- where to go for the right support when you need it
Compare your super savings
A Transition To Retirement (TTR) account enables you to access your super before you retire, once you’ve reached age 60.
Essentials of estate planning
We explore the essentials of estate planning in Australia, including key components, legal considerations, and the importance of seeking professional guidance.
Setting Your Grandkids Up for the Future: A Grandparent's Guide
Supporting your grandchildren financially can be a rewarding way to help them build a secure future.
Q&A
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You can access your super once you reach your preservation age and retire.
At 65, your super is automatically accessible, regardless of your work status. See conditions of release for more details.
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Absolutely. With a Transition to Retirement (TTR) strategy, you can cut back your hours and top up your income using your super. You’ll still get employer contributions, enjoy tax perks, and ease into retirement on your terms. TTR is available once you reach age 60.
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Once you reach age 65, or retire after age 60 you can open an account-based pension. It’s best to start when you want regular, tax-free income and flexible withdrawal. See conditions of release for more details.
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To access your super you must meet a condition of release. The main conditions of release are:
- reaching preservation age (60 years) and retiring.
- reaching preservation age (60 years) and commencing a transition to retirement (TTR) income stream.
- ceasing a gainful employment on or after age 60.
- turning 65 (even if you haven’t retired).
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Depending on your age, there is a minimum amount you must withdraw as a pension payment from a retirement pension account each financial year.
A maximum amount of 10% of your account balance applies for transition to retirement pensions which aren't in retirement phase.
Age on 1 July or if commenced in the
financial year, the commencement dateMinimum %* of account balance
you must withdraw each year1Under 65 4% 65 to 74 5% 75 to 79 6% 80 to 84 7% 85 to 89 9% 90 to 94 11% 95+ 14%
*The minimum may be subject to change from time to time at the discretion of the Government. For more information go to ato.gov.au.
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There are a number of tax implications to be aware of. These can include tax on contributions, earnings, withdrawals and pension. Depending on your specific tax question, you can read more about this. Superannuation & Retirement Rules
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There isn’t a one-size fits all approach. That’s why we offer expert advice, at no extra cost.
Our financial coaching team is here to help. They can provide general guidance on planning for retirement. And if you’re after something more tailored, they can connect you with a financial adviser.
Prefer to explore on your own? Plum members can log in to access the personal super calculator for a personalised report to help you plan with confidence.
Top-rated super
Top-rated pension
1 Eligibility requirements apply.
2 Awards and ratings are only one factor to take into account when choosing a super fund. For more details on Plum Super Fund’s awards visit plum.com.au/awards
Important information
Awards and ratings are only one factor to take into account when choosing a super fund. For more details on Plum Super Fund’s awards visit plum.com.au/awards.
The Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West rating (assigned February 2026) is limited to General Advice only and has been prepared without considering your objectives or financial situation, including target markets where applicable. The rating is not a recommendation to purchase, sell or hold any product and is subject to change at any time without notice. You should seek independent advice and consider the PDS or offer document before making any investment decisions. Ratings have been assigned based on third party data. Liability is not accepted, whether direct or indirect, from use of the rating. Past performance is not an indication of future performance. Refer to www.chantwest.com.au for full ratings information and FSG.
The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 (SuperRatings) a Corporate Authorised Representative (CAR No.1309956) of Lonsec Research Pty Ltd ABN 11 151 658 561, AFSL No. 421445. 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 use proprietary criteria to determine awards and ratings and may receive a fee for the use of its ratings and awards. Visit superratings.com.au for ratings information. © 2026 SuperRatings. All rights reserved.
NULIS Nominees (Australia) Limited ABN 80 008 515 633 AFSL 236465 is part of the Insignia Financial Group of Companies, comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). Fund: MLC Super Fund ABN 70 732 426 024
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