When to start an account-based pension
A general guide to timing an account-based pension and why it should be modelled with spending and Age Pension context.
Timing is a planning decision
The right start age depends on retirement timing, super access, cashflow needs and tax/advice considerations.
Minimum drawdowns matter
Account-based pensions can have minimum drawdown rules that influence annual cashflow.
Coordinate with other income
Work income, passive income and Age Pension interaction can change the best timing questions to ask.
Use adviser-prep questions
RetireAI helps organise the scenario so you can ask better questions before making formal decisions.
How RetireAI helps
RetireAI turns spending, super, retirement timing and Age Pension assumptions into a plain-English educational report. It is designed to help you get organised before checking official rules or speaking with a qualified adviser.
Common questions
Is an account-based pension financial advice?
Starting one can involve personal advice considerations, so use this page as education only.
What should I prepare first?
Prepare spending, super balances, planned retirement age and other income assumptions.