It's a retirement income stream that never runs out. With our Lifetime Pension, you can turn your superannuation into fortnightly payments for life. And there's a spouse protection option, too.
Our award-winning Lifetime Pension also works with your Retirement Income account and the Age Pension to give you security in retirement.
You can start your Lifetime Pension through our QSuper website.
Get a tax-free income for the rest of your life, no matter how long you live.
Choose to have payments continue to your partner if you pass away, so they'll have an income for life.
Designed so you get your money back in fortnightly payments, or so your beneficiaries get what's left if you die.
Potential to either become eligible for an Age Pension or get higher payments with a Lifetime Pension.
When it comes to making your super last, you're on a winner with our Lifetime Pension. Our latest awards are among many we've won over the years for our retirement products.
You'll need at least $10,000 in super to buy a Lifetime Pension. Your money goes into a pool of funds.
The pool's invested in the Balanced Risk-Adjusted investment option for Retirement Income accounts.
You get payments from this pool for the rest of your life (and the life of your spouse with the spouse protection option).
Everyone's payments change each year to reflect the financial performance of the pool. We expect payments to go up over time, but they may go up or down in any year.
Watch on YouTube: Lifetime Pension
Watch how Lifetime Pension works with other pensions, how your money's invested, and what happens if you die sooner than expected.
Once you open a Lifetime Pension, you'll have 6 months to make sure it's right for you. After that, it's a permanent purchase. Read all the details in the product disclosure statement (PDS).
You'll need to hop over to our QSuper website to open your lifetime income stream. QSuper is part of Australian Retirement Trust.
Check your eligibility.
Fill in the 2 forms on the QSuper website.
We'll open a QSuper account for you (separate to your ART account/s), then start your Lifetime Pension.
You can start a Lifetime Pension between your 60th and 80th birthdays if you meet at least one of the following:
Your payments in your first year will depend on:
Lifetime Pension Income Estimator
Check how much you could get in your first year.
Estimate your total income with 2 types of products.
Lifetime Pension works with account-based pensions, like our Retirement Income account. You could also get Age Pension benefits if you're eligible – only some of your Lifetime Pension counts towards Centrelink's income test and assets test.
Income for lifestyle
Gives you the flexibility to change your payments and take out money anytime.
Income for life
Adds security with payments for life and money-back protection.
Income safety net
Government payments to help eligible retirees pay for the essentials.
Check the frequently asked questions (FAQs) on the QSuper website.
Start your Lifetime Pension today to enjoy the security of an income for life.
We offer our Lifetime Pension through the QSuper website, as part of Australian Retirement Trust.
