What is a retirement pension, and which retirement pension is suitable, are common questions as people plan for retirement. Australian Catholic Superannuation offers a retirement planning service to help you understand how you can convert your superannuation into a pension for retirement.

1. Transition to retirement pension – seminars show how to plan for retirement
See latest
retirement
seminar dates

2. Transition to retirement pension – seminars show how to plan for retirement
Attend the retirement planning seminars
You don’t have to be a member of the Fund to attend the retirement
planning seminars – partners, friends and work colleagues are welcome
to attend.
Set out on the following pages are details of:
1. A video testimonial from a past retirement planning seminar
attendee
2. How a transition to retirement pension can be a tax-effective way to
boost your superannuation savings as you plan for retirement. More
explanation will be provided at the seminars
3. The benefits of the Australian Catholic Superannuation retirement
planning and financial planning service.

3. Australian Catholic Superannuation
Transition to Retirement Pension Account
He simply moved his superannuation
savings into an Australian Catholic
Superannuation Pension account
Up to 15% tax is 0% tax is
deducted from deducted from
investment investment
earnings in a earnings in a
superannuation pension account
account
www.catholicsuper.com.au/retirement

4. Australian Catholic Superannuation
Transition to Retirement Pension Account
The difference could save you thousands of
dollars in tax – each year until you retire
When your superannuation savings are converted into a pension account for retirement
the investment earnings on funds in the pension account become free-of-tax. Rather
than wait until retirement, perhaps at age 65, your retirement savings can start to earn
tax-free income from age 55* - even as you continue to work.
This is money that could be adding to your retirement savings, year after year as you
continue working. In addition, salary sacrificing some of your income into your
superannuation account and using pension income as replacement income can boost
your retirement balance even more.
The independent superannuation monitor, SuperRatings Pty Limited, has rated the
Australian Catholic Superannuation pension as a Platinum level fund, the highest rating
available. You can be confident knowing that our pension is rated so highly.
* For members born before 1 July 1960
For further details about an Australian Catholic Superannuation transition
to retirement pension, or to arrange an appointment to meet with a
financial planner, please contact us on 1300 658 776 or at
www.catholicsuper.com.au

5. Australian Catholic Superannuation
Transition to Retirement Pension Account
Are you aged 55 years or more, still working, and
want to maximise your retirement savings?
Example: Andrew is aged 55 and wishes to continue working full-time for several
more years so that he increases his superannuation savings ahead of retirement. He
has been saving in three different superannuation accounts for several years, but he
felt he could be doing better. After meeting with a financial planner at Australian
Catholic Superannuation he was advised to do two things:
First, consolidate his three superannuation accounts into the one account with
Australian Catholic Superannuation
Second, convert most of his newly combined superannuation balance into a transition
to retirement pension account.
Andrew starts an Australian Catholic Superannuation transition to retirement pension
account with $350,000 (leaving $5,000 in his super account), and chooses to receive
the allowed maximum $35,000 pa (10% of his account balance) as a monthly pension
paid into his bank account. In doing this Andrew saves tax because investment
earnings on his $350,000 in the pension account is now tax-free.
For further details about an Australian Catholic Superannuation transition
to retirement pension, or to arrange an appointment to meet with a
financial planner, please contact us on 1300 658 776 or at
www.catholicsuper.com.au

6. Australian Catholic Superannuation
Transition to Retirement Pension Account
$350,000 balance in a $350,000 balance in a
superannuation account pension account
Investment return* - assume 6% pa
after fees and charges but before tax $21,000 $21,000
Tax on investment earnings* - Year 1 Up to 15%, or $3,150 NIL
Earnings available to compound As low as $17,850 $21,000
* This is an example only. Actual investment returns and taxes vary depending on the investment option selected.
This tax saving in year 1 is a boost to Andrew’s retirement savings.
In addition to this tax saving on investment earnings, by using the monthly pension income
Andrew can now afford to salary-sacrifice into his super account, increasing his retirement
savings while reducing his taxable income
For further details about an Australian Catholic Superannuation transition
to retirement pension, or to arrange an appointment to meet with a
financial planner, please contact us on 1300 658 776 or at
www.catholicsuper.com.au

7. Australian Catholic Superannuation
Transition to Retirement Pension Account
Important information: This information has been produced by SCS Super Pty Limited (ACN 064 712 607, AFSL
230544, RSE L0002264), the Trustee of the Australian Catholic Superannuation & Retirement Fund (ACSRF). It
does not take into account your own objectives, financial situation or needs. As a result, before acting on any
information in this document, you should consider its appropriateness, having regard to your own objectives,
financial situation and needs. This document is not intended to be financial advice, therefore, you should
consider obtaining independent financial advice before making any decisions about your benefits in the Fund.
Tax savings illustrated are based on our understanding of tax regulations effective as at the time of printing and
are subject to change. For further information on Australian Catholic Superannuation’s services refer to our
current Product Disclosure Statements and Financial Services Guides. Financial planning services are provided
under an arrangement with Industry Fund Services Pty Ltd (IFS) (AFSL 232514).
A transition to retirement pension may not be suitable for all members.
All references to “pension” in this document refer to the Australian Catholic Superannuation & Retirement
Fund allocated pension.

8. Australian Catholic Superannuation’s
Financial Planning Service
Our financial planning service is offered through an arrangement with Industry Fund Services
(AFSL 232514). This service is provided by appropriately qualified planners on an hourly rate, fee-
for-service basis. Our planners work only for a salary and no parties receive bonuses,
commissions or trail payments. Our hourly rates reflect only what it costs us to produce your
financial plan, so we believe that they are very competitive.
To read more about our financial planning and
retirement planning service simply follow this link, or
call us on 1300 658 776