At smartMonday, we picture your working life as days of the week and your life after-work as the weekend. We’re here with smart easy actions, smartCoaches and investment options to help your retirement to be the best long weekend it can possibly be.

One of the most significant decisions you’ll have to make is when to access your superannuation, which means it becomes a pension. You can start as soon as you reach your preservation age, even while working, by using a transition to retirement pension option. Or when you’re 65, or earlier if retired, turn your super into a smartMonday PENSION and set up an income stream. It’s your individual choice, based on your own circumstances and preferences. Decisions around retirement can be complex. Our smartCoaches are here to help.

Contact a smartCoach today on 1300 262 241, or email

While it’s common to hear people need $1 million in super, it’s just not true for everyone.

The ‘right number’ for you will depend on your expectations in retirement – which means it’s going to be different for everyone.

Check out our planning for retirement page to guide you in working out how much is enough.

“Knowing how much you'll need when you stop work is a good starting point. The key is to act now and do as much as you can to grow your super “ ASIC MoneySmart

Not ready to stop work just yet? A TRP pension might be the solution.

Regular income payments (no maximum annual payment) in retirement

If you’re eligible you may be able to use the Age Pension to supplement your income in retirement.