Pay yourself a tax-effective income from our award-winning pension fund.

Some of the benefits of the RetireAccess retirement income stream include:

Competitive Fees

Competitive fees

Transparent fees with fee rebates for certain balances

Purpose-built investments

Help maximise income and manage volatility


Flexible income

How much you want when you want it


Tax advantages

No tax on earnings or payments when you are over 60

Online account management

Manage your income easily through your online portal

Join RetireAcces

Retirement bonus

Receive up to $8,000 when you open an account.
Eligibility criteria applies.

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Investments purpose-built for your retirement.

Investing in retirement is different to investing while you’re working. That’s why our four Lifestyle investment options are designed for retirees who want a regular income, and an investment profile with reduced market volatility and risk over the longer term.

Explore your options
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Get up to $8,000 bonus with RetireAccess.

The more you know about RetireAccess, the more you’ll love it.

Like how you could receive a Retirement Bonus of up to $8,000. If you stay with us when you retire, you can start a TelstraSuper RetireAccess retirement income stream account, and you could be eligible. Sound good?

Find your bonus
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Advice that’s smart, simple and just for you.

Want some advice? TelstraSuper Financial Planning has retirement experts who can provide objective expert guidance that gives you the comfort of knowing you’re on track. The team have a range of advice options that vary from simple tips and help over the phone, to comprehensive ongoing financial coaching all with the goal of helping you achieve a retirement better than you imagined.

Get the right Advice

Want to get started?
Here’s how you join TelstraSuper RetireAccess.

Step 1

Read the TelstraSuper RetireAccess Product Disclosure Statement

Download PDS

Step 2

Complete the Income Stream application.

Current members can join by logging into your account and using the online form.

Join Now

We can help you with the forms

Call TelstraSuper Financial Planning on 1300 033 166 to speak to a financial Adviser about starting an income stream

Speak to an Adviser


  • How long will my income last?

    How long your income will last will depend on several factors including account balance, investment options and returns, fees and the amount you draw down. If you take any additional lump sum payments, this will also impact how long your account will last.

    To get a sense for how long your super will last, try our Retirement income projector.

  • What are the tax implications?
    • No tax payable on investment earnings once you satisfy a relevant condition of release, otherwise up to 15% tax applies
    • No tax payable on income stream payments once you turn 60
    • 15% tax offset on the taxable component of income stream payments if you have reached preservation and not yet reached age 60.
  • What are the Centrelink and Department of Veterans Affairs benefits?

    Your RetireAccess balance may affect your eligibility for government income support, including the age pension.

    Your account is assessable by Centrelink and or the DVA for the assets test and income test.

  • What are the investment options?

    There are a range of options to invest in which include lifestyle investments, diversified or single asset investments as well the Direct Access investment option.  

    Learn more about your investment options or get advice on how to best structure your options in retirement.

  • How does it work?

    A retirement income stream makes it easy for you to draw a regular income from your super while keeping your balance invested. You can choose the payment frequency you want and take out lump sum payments whenever you need some extra money (once you satisfy a relevant condition of release).

    Like your accumulation account, positive investment returns will add to your RetireAccess account balance, but negative returns, fees and your income drawdowns will reduce it.

    Once you set up a retirement income stream you cannot add additional money to it.

    Learn more about RetireAccess or switch over today.

  • What do I need to do? / How do I open an account?

    To open a RetireAccess account, simply print and complete the paper form, or existing members can login to their SuperOnline account and use the online form.

    Please note a $10,000 minimum balance is required to set up an account. If you haven’t already, consider consolidating any savings you want into an accumulation account like Personal Plus or a Corporate Plus account.

    When opening a RetireAccess account you’ll need to decide:

    1. Your opening balance (how much money to transfer from your super account, a minimum balance of $10,000 is required)
    2. How your money is invested
    3. How often you’d like to draw down on your income
    4. Where your payments will go (i.e. bank details)
    5. Who your beneficiaries are and if you’d like a reversionary beneficiary

    If you need help completing RetireAccess forms, our team can guide you over the phone on 1300 033 166.

    If you need advice on whether a RetireAccess account is right for you, you can talk to an Adviser.

  • Can I set it up on my own?

    Yes, you can open an account on your own. Simply print and complete the paper form, or existing members can login to their SuperOnline account and use the online form.

    TelstraSuper Financial Planning can help you work out the best ways to manage your super in retirement. If you'd like to discuss your retirement plans or if you have any other financial advice queries call 1300 033 166 or fill in our online contact form.

  • Do I need a new super account?

    Yes, you need to start with a super account. If you are an existing member, you can move your money from your accumulation account into a RetireAccess account. If you have any other super you want to consolidate*, you need to do that before opening the RetireAccess account as you can’t add money into a RetireAccess account once it’s open.

    If you are new to TelstraSuper, you’ll need to open a Personal Plus super account first. Afterwards your super can be moved into a RetireAccess account.

  • Do I have to open a RetireAccess account when I retire?

    No, you don’t need to open a RetireAccess account, however there may be tax advantages to drawing an income from an income stream rather than keeping your money in your super account.

    In a RetireAccess account investment returns are tax-free (once you satisfy a relevant condition of release) and drawdown payments are tax-free after age 60.

  • How often can I get paid?

    Choose the timing that suits your lifestyle. You can choose to be paid twice-monthly, monthly, quarterly or annually.

    You can also take out lump sum payments should you have expenses like a trip or buying a car that requires additional money (once you satisfy a relevant condition of release).

    *Before you consolidate your super, you should consider the implications of combining your super (including on insurance, fees and tax). You should also consider getting financial advice before combining your super.

Why refer family and friends to us? Because you love them!

Spread the word. Tell your family and friends we’re an award-winning profit-to-member super fund where everything we do is for our members. And they’re invited.

Refer them Today

Our awards and recognition

TelstraSuper has a proud history of elite performance and achievement stretching over two decades. We’re honoured to have been awarded the following commendations that represent recognition by both independent agencies and industry peers.

  • SuperRatings Pension of the Year 2023

  • Highest Super Performer 2023

  • Chant West Pension Fund of the Year 2022 and 2023

  • Chant West Insurance Best Fund 2022

  • ESG Leader Super Fund

*Number one performing superannuation product across all asset classes and investment styles ranked by weighted ranking of performance taking into account performance over 1, 3, 5 and 10 years. Product may be geared and prone to extreme levels of investment risk. Must have at least 3 year performance, be public offer and AAA rated by SelectingSuper.

^Number one property superannuation product ranked by best weighted ranking of performance taking into account performance over 1, 3, 5 and 10 years. Must have at least 3 year performance, be public offer and AAA rated by SelectingSuper.

The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit for ratings information and to access the full report. © 2020 SuperRatings. All rights reserved.

Telstra Super Pty Ltd ABN 86 007 422 522, AFSL 236709, the trustee of the Telstra Superannuation Scheme (TelstraSuper) ABN 85 502 108 833 USI/SPIN TLS0100AU. Any general advice has been prepared without taking into account your objectives, financial situation or needs. Before you act on any general advice you should consider whether it is appropriate to your individual circumstances. Before making any decision, you should obtain and read the relevant product disclosure statement which is available on the website or by calling 1300 033 166.

Consider the relevant PDS and TMD and if this is right for you before making a decision.