Retirement with heart
Pension for those who want to retire while investing for a brighter future.
Manage your retirement savings with heart
Why choose Australian Ethical with your pension?
Continue investing ethically
Our Ethical Criteria apply to all portfolios we manage, including our pension options.
Flexible payments that you choose
Choose how much you want paid straight into your bank account and how often*.
Investment options
Invest your pension where you want it by choosing from our 6 ethical investment options.
*Subject to legislative requirements
How it works
If you want to keep working
You can:
- Create an account-based pension as part of a Transition to Retirement Strategy or TTR.
- Start an account-based pension while keeping your accumulation super fund.
- Boost your super by Salary Sacrificing some of your income, while topping up your salary with your pension income.
- Work less hours as you ease into retirement and boost your salary income with your pension income.
If you're ready to retire
You can create an account-based pension and receive regular income from your super.
To start an account-based pension without a TTR strategy you must:
- be 60 or over and have ended your employment OR
- be 65 or older, regardless of whether you’re still working or retired.
Learn more about creating a pension account
How to apply
Starting an account based pension with Australian Ethical is simple. Start with the online form or download and complete the PDF version.
| Step One | Fill in your personal information |
| Step Two | Fund your account |
| Step Three | Set up your payments |
| Step Four | Choose your investment preferences |
| Step Five | Choose your beneficiaries |
| Step Six | Submit your application for approval |
Helpful retirement articles
Award-winning pension
Our award-winning# investment team has shown that an ethical approach to investing can deliver healthy* returns.
Money magazine Best of the Best 2025 – Best ESG Pension Product
Responsible Investment Leader 2022
