SMARTPension

Easy, simple, tax effective

We take care of your super and we can take care of your pension too - with SMARTpension.

It can make your transition to retirement trouble-free and easy. It's flexible, includes a range of options with competitive benefits, and importantly, low fees.

If you are reaching retirement and looking for a tax-effective income stream, SMARTpension offers two options:

SMART Transition to Retirement Pension
(provides an income while you are still working)
SMART Account-Based Pension
(if you are fully retired)

SMARTpension benefits include:

your own consultant - a dedicated super and retirement professional assigned to your account

flexible income solutions - you can choose when and how much you receive^*

tax and social security benefits - including no tax payable on investment earnings

competitive fees

investment choice - a great range of options for you to choose from.

Help with advice

It's important to seek advice from a financial adviser before going ahead with a SMARTpension. That's why we've established a financial advice allowance for individuals who do this. This is an upfront, one-off payment per SMARTpension member.

The financial advice allowance contributes toward the cost of financial advice obtained for the purpose of investing in SMARTpension, from an approved financial planner.^#

If you don't have an adviser in mind, speak to your local Member Services Consultant who can refer you to an approved financial planner^.

Refer to the SMARTpension website for more details and conditions for this allowance.

*Subject to government limits and restrictions.

^#The Financial Advice Allowance can only be paid to an eo Pty Ltd approved financial planner, where the advice relates to a retirement income stream product and results in the purchase of a SMARTpension. For amounts invested up to $100,000 the Advice Allowance is $500. For amounts invested over $100,000 the Advice Allowance is $750. The allowance will be paid by eo Pty Ltd out of the fee it receives from the Trustee for the services it provides. Contact us for more information on an approved financial planner.

^Professional Associations Superannuation Limited (ABN 14 056 917 303 AFSL 222590 RSE L0000352) (PASL) has engaged eo Pty Ltd (ABN 53 000 013 276 AFSL 232501) to provide general financial advice, marketing and sales services on behalf of PASL. eo Pty Ltd offers members this referral service for financial planning and advice services of Outlook Financial Solutions Pty Ltd (ABN 40 083 233 925, AFSL 240959). No recommendation (expressed or implied) or other information should be acted upon without obtaining specific advice from a Representative of Outlook.