While retirement is a phase of life we all look forward to, it’s common to approach it feeling unprepared. You should think about how you’d like to spend your retirement so you can set yourself up in advance. For most people, a government age pension income won’t provide enough for the lifestyle they’ve been picturing.

Superannuation and retirement go hand in hand — there are options within super you should consider to ensure you can create the retirement you've worked hard for.

Preparing for retirement
Start my retirement
Manage my retirement

Preparing for retirement

It’s a good idea to get your plans in order, so when the time comes, you can retire with confidence. When preparing for retirement, you should think about:

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Start my retirement

Starting retirement is an exciting step forward. To best position yourself, consider factors like:

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Manage my retirement

If you’ve chosen to retire with NGS, you have the flexibility to change your regular income payment amounts as often as you like. There are some conditions to meet, but generally, how much you receive and how often is up to you.

It’s a good idea to keep on top of your beneficiary nominations too by ensuring your nominations are valid and remembering to update them if they expire or your circumstances change.

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Why retire with NGS?

Retirement doesn't need to mean the end of your super. You can choose to retire with us by opening an NGS Income account that will provide you with a regular income. You'll also continue to enjoy member benefits like competitive investment performance and access to NGS seminars and low-cost advice.

How much will I need?

Super is your savings for retirement, so do you know how much you should be aiming for? The answer will be different for everyone — there are various factors you need to consider in working out how much you'll need for retirement.

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Retirement basics

The decision to retire permanently largely depends on whether you have the financial resources available to see you through the rest of your life.

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Funding retirement

You know where your income is coming from today but do you know where it will come from in retirement?

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Income streams

We are spending longer periods of time in retirement and circumstances can change over time. This makes planning for your retirement more difficult.

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Get advice for every stage of your life

NGS Super members have access to qualified and non-commission based financial planners, including over-the-phone limited advice* about your account, at no additional cost.

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*Limited advice covers one or two issues in isolation on topics such as investment selection and contribution levels. It does not take into account the member’s entire financial situation.

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