Skip to main content

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? 

Minimalist icon of three transparent circles stacked on top of each other indicating the balance of good and bad

Continue investing ethically

Our Ethical Criteria apply to all portfolios we manage, including our pension options.

Minimalist graphic of a sliders to show flexibility of payments

Flexible payments that you choose

Choose how much you want paid straight into your bank account and how often*.

Minimalist graphic of an option being selected on an indicator

Investment options

Invest your pension where you want it by choosing from our 6 ethical investment options.

Download a PDF form

*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.
Learn more about Transition to Retirement strategies

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.

SuperRatings GOLD for Pension++
Responsible Investment Leader 2022
B Corp Best for the World for Customers and Governance

++SuperRatings does not issue, sell, guarantee or underwrite this product. See the website for details of its ratings criteria. SuperRatings performance figure is net of percentage based administration and investment fees.

Invest with heart

Online form PDF form

Australian Ethical acknowledges the Traditional Owners of the country on which we work, the Gadigal people of the Eora Nation, and recognise and celebrate their continuing connection to land, waters and culture. We pay our respects to Elders past and present and thank them for protecting Country since time immemorial.

See our Reconciliation Action Plan