Where are you at with your super?

What we offer

Our Income Stream Accounts offer you flexibility and regular payments.

QIEC Super offers two types of Income Stream Accounts to give regular payments as income to retirees and those transitioning to retirement who have reached their preservation age,

Our award winning Income Stream Accounts offer you1:

  • flexibility in accessing your retirement savings;
  • a choice of investment options; and
  • death insurance cover for your peace of mind.2

Once you have reached your preservation age, you have the option to access your super with a Transition to Retirement Account. This means you can reduce your working hours and ease into retirement without having to stop work. And, if you are over age 60 your payments will be tax free.

Our Retirement Income Account allows you to invest your super and receive regular income payments until the total balance is exhausted. It also offers flexibility, with the option of being able to access lump sum withdrawals if required.

Retirement Bonus

Get your retirement off to a cracking start with QIEC Super’s Retirement Bonus. The bonus is funded from the reduction in tax that is payable by the Fund when a member opens a Retirement Income Account.


Other considerations in retirement

Your income in retirement may come from a range of sources, including the Centrelink Age Pension. To receive the Centrelink Age Pension there are financial means test and residency requirements that you need to meet and any money that you have in super can impact your entitlements. To find out more about Centrelink Age Pension, visit the Department of Human Services.


Once you turn 65, or reach your preservation age and retire, you can open a Retirement Income Account. Alternatively, if you have reached your preservation age and are not quite ready to retire, you may wish to consider accessing part of your super by opening a Transition to Retirement Account. These accounts are known as Income Stream Accounts.

QIEC Income Stream Accounts offer you:

  • flexibility in accessing your savings;
  • a choice of ten investment options;
  • tax-free investment earnings in the Retirement Income Account and tax-free payments from age 60; and
  • death insurance cover for peace of mind.

Our Income Stream Accounts were awarded a ‘Gold’ rating from SuperRatings in 2017.1

Accessing your super can have tax and Centrelink implications so you may wish to seek financial advice first. For more information on QIEC Super’s Income Stream Accounts, please read the QIEC Income Stream PDS or call our Client Contact Centre on 1300 360 507.

Your preservation age is the age that you can access your super if you are retired, or are ready to start transitioning into retirement, and ranges from age 55 to 60 depending on when you were born.

Date of birth 

Preservation age 

 Before 1 July 1960

 55

 1 July 1960 – 30 June 1961

 56

 1 July 1961 – 30 June 1962

 57

 1 July 1962 – 30 June 1963

 58

 1 July 1963 – 30 June 1964

 59

 After 30 June 1964

 60

1 QIEC Super has been awarded a ‘Gold’ rating for Income Streams from SuperRatings in 2017. SuperRatings provide independent superannuation assessment and ratings. SuperRatings Pty. Ltd. (ABN 95 100 192 283) hold an Australian Financial Services Licence No. 311880.

2 Refer to our Insurance Guide for more information.