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ANZ Smart Choice Pension
Let your super work as hard as you have
ANZ Smart Choice Pension is an easy way to go about your retirement. Receive a regular pension payment that works for you. It offers investment choice between a Lifestage option (automatic adjustment of assets as you get older) or choose from our range of carefully selected multi-asset and single-asset investment options. Additionally, it offers Death only insurance in pension.
For fresh perspectives on retirement planning, explore our latest articles in News and Insights.
Take control of your retirement
With ANZ Smart Choice Pension, you can manage your pension online in a way that suits you. You can check your balance, transactions and see your investment performance at a glance.
Is ANZ Smart Choice Pension for me?
ANZ Smart Choice Pension is only available to existing members of ANZ Smart Choice Super, including ANZ Smart Choice for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees.
ANZ Smart Choice Pension is suitable for clients who have met a relevant condition of release and want to draw an income from their pension account.
Not suitable for clients who:
- Have not satisfied a relevant condition of release
- Have no access to a computer or the internet
- Are looking for a Transition to Retirement pension
- Are looking to trade and hold equities (such as shares) directly
- Want the option to hold Income Protection or Total & Permanent Disablement cover through their pension account
You might be retiring but your money isn't
Even when you're retired, you still need your money to be working for you.
ANZ Smart Choice Pension gives you carefully selected investment options that offer the flexibility to invest how you want.
Choose your own investment mix by constructing your own portfolio from a range of multi-asset and single-asset investment options or opt for the Lifestage investment option, which automatically selects and adjusts your investment mix based on your age.1
Use our investment tool to see which investment may work for you. Select either 'Invest in your Lifestage option' tab or 'Choose your own investment mix' tab to get started.
Get the most from your pension
Understand how a pension account works to get more from your retirement:
- Your income payment is tax-free, if you're 60 or over
- Investment earnings are tax-free
- You must withdraw a minimum amount each year, depending on your age
- You can generally choose the frequency of your regular income payments
- You can take out a lump sum at any time and withdraw your full balance whenever you want
- You may still be eligible for a government age pension, depending on your assets and income
Insurance in Pension
ANZ Smart Choice Pension offers peace of mind with Death only cover to help look after those who depend on you after you're gone. You can choose your own level of cover or choose the convenience of Lifestage cover based on your age, which automatically increases when you're likely to have greater commitments and lowers when you're likely to have less.
When you join or apply for cover you must be2
- Aged 15 or over and under 70 for Death cover
- An Australian Resident or Visa holder
- Residing in Australia
Other conditions or benefit exclusions may apply.3
Simple supported set-up
After you initially complete an online application form, our concierge service will guide you through the set-up process.
We'll get you started by helping you combine your super accounts into one, make the move to a pension structure and establish an income stream.
Flexible payment options
Choose how much you want to receive, and how often (subject to minimum payments required by law).
Have your pension paid monthly, quarterly, half-yearly or annually to your nominated Australian bank account. And for extra flexibility, you can also make one-off withdrawals from your account.
Helpful tools
Your super is your independence. Get on top of it today.
