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Join an Income Stream

Planning for life after work? We’re ready to help.

At Prime Super, we know that saving for your retirement through your super is only one part of your journey. A fulfilling retirement with peace of mind is why you are saving your hard-earned money in the first place.

Helping you achieve this is our focus.

Whether you’re planning on reducing your working hours or finishing up work altogether, it’s important to understand the options available to you and be in control of how you receive your future income.

If you're a member, you can apply for an income stream by reaching out to one of our member consultants, or if you're eligible and have a MemberOnline account, you can select the 'Super' tab, then 'Pension application'. 

If you're not a member, you can still open a Prime Super Income Stream online.

Open an income stream

How to use your super to fund your retirement.

When you retire, super can continue to provide you with a regular income to fund your lifestyle needs.

One option is to convert your super into an account-based pension. We call ours an income stream account. This allows you to take advantage of flexible income payments, while also being able to make lump sum withdrawals. All while your money remains invested and working for you.

There are two main types of income streams you can start:

1. Transition-To-Retirement (TTR) pension

Enables you to use your super to top up your income if you have reduced your working hours or if you’d like to make salary sacrifice or personal deductible contributions, which may be tax-effective for you.

2. Account-based pension (allocated pension)

You can set this up once you meet the age requirement and have retired, or once you turn 65. Your super can provide you with a regular income as well as access to lump sum withdrawals as required.

Need to talk to a super specialist?

Talk to our super specialists about our award-winning super income stream products.

Getting the right support can make all the difference. And, as a member, there's no additional cost for this service.

Our team can also work with you on:

  • Retirement preparation - from reducing your working hours and topping up your income with super through to boosting your super with salary sacrifice and tax savings*
  • Explaining Centrelink eligibility rules
  • Contributions including salary sacrifice and government co-contributions
  • Combining your super funds to save on multiple fees
  • Understanding your investment choices
  • Updating beneficiaries

Book now

Alternatively, you can call us on 1800 675 839 8am-8pm AEST Mon-Fri or email

*We provide general tax information relating to superannuation. We recommend you seek tax advice from a professional tax agent.