Lynn is 72 years old. She retired at age 67 and now catches up with her friends for a hit of golf each week.

Lynn was paid super during her working life and saved $200,000 with her Industry SuperFund.

Before she retired, Lynn spoke to her Industry SuperFund's financial planner about how to maximise the money she had saved. Her adviser recommended that she open an income stream account with her Industry SuperFund and start drawing down on her money gradually. This meant she could still access the Government Age Pension while the balance of her saved money continued to grow during the early years of retirement, before she gradually draws down on all of it.

She knows she has the flexibility to withdraw some additional money for emergencies (or holidays!) if she needs to.

Lynn withdrew 5% of her balance each year for the first five years of retirement and also accessed the Age Pension to top up her incomes. After the first five years of retirement Lynn had a balance of $246,799 in her Industry SuperFund income stream account.

Lynn is not an actual member. Her story have been created for illustrative purposes.

Modelled outcomes by SuperRatings show 5-year average net benefit results taking into account historical earnings, fees and drawdown amount of 5% p.a. of the main balanced investment options of 7 Industry SuperFunds retirement income products during the first 5 years of retirement. Example assumes the average 5 year Industry SuperFund investment return of 9.57% p.a., starting balance of $200,000, starting age of 65, home is owned, access to half of a couple’s full Age Pension entitlements, married, no other income sources available. Modelling as at 30 June 2025. Performance (Net Benefit) modelling is based on actual reported returns over the stated period. Capital growth will not continue throughout retirement. Past performance is not a reliable indicator of future performance. Returns may fluctuate over time and can vary significantly from year to year. Outcomes vary between individual funds. Consider a fund’s Product Disclosure Statement (PDS) and your personal financial situation, needs or objectives, which are not accounted for in this information, before making an investment decision. For more details about the SuperRatings modelling see the Assumptions page.