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Why set up a super income stream with us?

Your superannuation doesn't need to stop working when you do. With our 3 pension options, you can get regular tax-free payments into your bank account from age 60. Plus save tax on your retirement investments.

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Tax-free retirement income

Keep your money invested and get tax-free income from age 60. Earnings on investments are usually tax-free, too.1

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Payments that suit you

Choose how much and how often you get paid. Or get an income for life with our Lifetime Pension.

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Get a Retirement Bonus

Check to see if you can get our Retirement Bonus to kick-start your account.


Pick the best retirement account for you

Investing your money to last you through retirement is just as important as building it up in the first place. Our account-based pensions work together with our Lifetime Pension and the Age Pension, too. Compare each product's features.

Nearing retirement
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Transition to Retirement (TTR) Income account

  • Get payments while still working
  • Continue growing your super
  • Flexible payment options
Tell me more
Retired
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Retirement Income account

  • Works with other pensions
  • Choose your investment options
  • Flexible payment options
Retired
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Lifetime Pension

  • Income for life, never runs out

  • Possible Age Pension benefits
  • Payments adjusted yearly

Ready to open an income stream?

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Open a Retirement Income account

Log in to Member Online. Not a member? Join now.


Retire with your own support team

Enjoy your retirement and let someone else help manage your savings. As one of Australia's largest super funds, we seek out world-class investments to keep your super growing.

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Investment performance

We focus on strong long-term returns to get the most out of your savings.

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Professional guidance

Feel on top of your super income streams with our tools and advice.

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Profit for members

We're for members, not shareholders, so you get the benefits.

FAQs about retirement income stream options

Learn more about how our retirement accounts work, or book a call with one of our financial advisers.

Read more FAQs

Compare account types

Each of our account types uses different features to give you the security and certainty to enjoy your retirement. Use our retirement products on their own or combine them to suit your goals.

Transition to RetirementRetirement IncomeLifetime PensionSuper Savings Accumulation
Save while you're working
Age availableAge 60 to 64 and still workingAge 60 to 64 and retired, or age 65+Between 60th and 80th birthdayAll ages
Regular income payments
Income for life
Withdraw lump sums

Conditions apply

Change payment frequency and amount
Choose investments
Tax-free investment returnsN/A
Tax-free withdrawals over age 60

Conditions apply

Tax-free income payments over age 60
Potential boost to Age Pension
Receive contributions in
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Set yourself up for life

Get tax-free payments and keep your super earning, so you can get on with enjoying life after work.

Open an Income accountOr apply for a Lifetime Pension
Why choose usStrong performanceCommitted to lower feesChanging jobsJoin online
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Call 13 11 84

8:00am–7:30pm AEST Monday to Friday

More contact options

Fund name: Australian Retirement Trust 
Account type: Super Savings 
ABN: 60 905 115 063 
USI: 60 905 115 063 003

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© Australian Retirement Trust. All rights reserved.

Acknowledgement of Country
We want to respectfully acknowledge the Traditional Owners and Custodians of these lands, seas, and waters throughout Australia. We pay our respects to Elders both past and present. We acknowledge the history, the resilience and the continual contributions of Aboriginal and Torres Strait Islander peoples of their Country.

The information on this website contains general information only. It doesn’t consider your personal objectives, financial situation, or needs. Before making any decisions about ART, you should read the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD) to consider whether the product is right for you.