Retirement - your income in retirement

Show me:

The tax advantages of salary sacrifice to maximise your retirement payout.

Calculate:

How much you will need for a comfortable retirement – use our Westpac ASFA Retirement Standard calculator.
Whether you're on track to reach your financial goals in time – use our financial goals calculator.

Find out:

How to maximise your retirement income.
How to invest on your own, without financial advice.
How much you need in retirement.
Some questions and answers on nearing retirement.

For more information on super strategies that will help you retire with more

More visual demos

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Retirement products:

Product Overview	What	Who	Details
BT Super for Life - Available directly	See and manage through Westpac Online Turn credit card points into super Easy to take with you from your first job and into retirement Low fees Easy online application	Suits those who have retired or Suits those who are between 55-65, who are still working and want to supplement their income with money from their super.	Find out more about BT Super for Life Product Disclosure Statement (PDF 1.66Mb) Financial Services Guide (PDF 86kb) Apply online now
Westpac Flexible Income plan - Available directly	A tax effective way to invest a lump sum from superannuation or an eligible termination payment and receive a regular income Delay paying lump-sum tax Investment earnings are not taxed while they remain in the fund	Those who are about to retire or already retired Minimum investment $10,000 lump sum	View and compare funds Historical performance for: Contribution funds¹ Nil contribution funds² Product Disclosure Statement Buy - Sell Differentials Indirect Cost Ratio (ICR)
Guaranteed Income Plan - Available through Westpac Financial Planners	Enables you to convert a lump sum into a regular, guaranteed income stream over a fixed period from one to 15 years Can provide tax and social security benefits	Those who have received a redundancy or compensation, inheritance or lottery payment Minimum investment $10,000 lump sum	Call 131 817 Product Disclosure Statement Policy document
BT Lifetime - Flexible Pension - Available through Westpac Financial Planners	Flexible, regular income with concessional tax benefits whilst retaining access to capital Choice - a range of investment options (17 managed funds) Save on entry fees - You receive a 100% rebate when investing on your own	Those who are about to retire or already retired Minimum initial investment $25,000	Product Disclosure Statement and apply
Portfolio Services - Available through Westpac Financial Planners BT Personal Portfolio Services - Pension	By rolling the funds into an pension, you delay paying lump-sum tax and investment earnings are not taxed while they remain in the fund Retirement funds are in one place for easier management - and you receive a regular income	Suits those seeking to invest with a range of fund managers but want one point of contact Minimum investment $50,000	View and compare funds Historical performance Buy - Sell Differentials Indirect Cost Ratio (ICR)
BT Portfolio SuperWrap Essentials – Pension Plan and Term Allocated Pension Plan Available through advisers registered to distribute these products	Choose from 52 managed funds from 24 different investment managers Offers consolidated reporting across investments, 24 hour account access and a cash account to transact through	Suits those who want a flexible income stream in retirement using a wrap account Minimum investment $25,000	Contact a Westpac Financial Planner

1. Contribution funds may also be referred to as 'Entry fee funds'.
2. Nil contribution funds may also be referred to as 'Nil entry fee funds'.

Fund performance

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General advice on this website has been prepared without taking into account your objectives, financial situation or needs. Before acting on the advice, consider its appropriateness. Consider our disclosure documents, which include Product Disclosure Statements (PDS) for some products. The PDS is relevant when deciding whether to acquire or hold a product. View our ABN & RSE Numbers for Superannuation entities.

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