Income options

Guaranteed Annuities

A guaranteed annuity is a secure investment that pays you a guaranteed income throughout your retirement.

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Investment Growth Bonds

An Investment Growth Bond is an insurance bond that provides a range of investment options in a simple tax-effective package.

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Super matters

Easy guide to super

Superannuation is key to your future, so it’s important to be active and engaged in looking after it.

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Find my super

If you've ever had a job, chances are you have superannuation.

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Boost your super

It’s never too early - or late - to think about topping up your superannuation.

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Retiring soon?

Figuring out how much you will need when you retire requires planning and thought.

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Take control of your superannuation

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Retirement calculator

Estimate how much money you may have when you retire and see how you can add to your retirement income.

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When is the right time to retire?

Think about what might impact the timing of your retirement.

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Do you qualify for the Age Pension?

Understand the assets test and other features of Age Pension eligibility.

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When can you access your super?

Know the rules around when you can access your super.

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How hard is it to run an SMSF?

Understanding some of the complexity, compliance and costs.

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Manage your time and money

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Discover more about super & retirement

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Start your financial plan

Book a conversation with a Financial Planner today.

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How to read your super statement

Understanding your super statement could make a difference to your retirement plans.

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Knowledge is key to growing your SMSF

Your one place for guidance and investments with specialist support.

Things you should know:

As the advice on this page has been prepared without considering your objectives, financial situation or needs, you should, before acting on the advice, consider its appropriateness to your circumstances. Commonwealth Financial Planners are representatives of Commonwealth Financial Planning Pty Ltd ABN 65 003 900 169 AFSL 231139 a wholly owned but non-guaranteed subsidiary of the Commonwealth Bank.

Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFS) is the issuer of interests in Commonwealth Essential Super ABN 56 601 925 435 (Essential Super) and is a wholly owned subsidiary of Commonwealth Bank of Australia ABN 48 123 123 124 (Bank). This document may include general financial product advice but does not consider your individual objectives, financial circumstances or needs. You should read the Product Disclosure Statement (PDS) and the Reference Guide for Essential Super carefully and consider whether the information is appropriate for you before making any decision regarding this product. Click here to download the PDS and Reference Guide, or call us on 13 4074 for a copy. The Bank and its subsidiaries do not guarantee the performance of Essential Super and an investment in this product is subject to risk, loss of income and capital invested. An investment in Essential Super is via a superannuation trust and is therefore not an investment in, deposit with or other liability of the Bank or its subsidiaries. Where we mention ‘we’, ‘us’ or ‘our’, we mean CFS.