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Account Based Pension

Retiring from work doesn’t mean leaving NESS Super

If you’re looking for an easy way to invest your super to generate an income in retirement, a NESS Account Based Pension (ABP) could work for you. NESS Pension ABPs offer many benefits, including low fees.

There are a few things to consider before investing in a NESS ABP but the premise is simple – you invest your super in a pension account and withdraw regular payments (as well as lump sums) for as long as there is super in the account.

The key things to know about the NESS ABP are that:

  • You are eligible if you have reached your preservation age and have permanently retired from the workforce or if you are over age 65
  • You need to have at least $20,000 in a NESS Super account before you can open an ABP.
  • You must choose an investment option for your ABP.
  • You must choose the frequency and size of your pension payments, within limits.
  • You can make lump-sum withdrawals from your account as you need to.
  • When you have withdrawn all the money from your account, your pension ceases.
  • There is currently no tax payable on investments earnings in a NESS Account Based Pension.
  • If you are 60 or over, payments and lump-sum withdrawals are tax-free. If you are under age 60, your pension payments may be partly taxed but with a 15% tax offset.
  • If you die while there is still super in your account, your account balance – together with any insurance you have with NESS Super – is paid to your beneficiary or Estate.

New $1.6 million cap

From 1 July 2017, a ‘transfer balance cap’ of $1.6 million will apply to how much you can transfer from super into a tax-free retirement income account.  The cap applies to the total combined amount of superannuation that has been transferred into retirement phase, it does not matter how many accounts these balances are held in.  If you exceed the cap, you will be required to remove the excess (including notional earnings on the excess capital).


Find out more in the NESS Pension Product Disclosure Statement (PDS)