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.

Past performance is not a reliable indicator of future performance and should never be the sole factor considered when selecting a fund.

Comparisons modelled by SuperRatings, commissioned by ISA and shows average differences in pension net benefit of the 'main pension Balanced option' of 7 Industry SuperFunds and retail funds tracked by SuperRatings, over a 5 year period. A 'main pension Balanced option' being the fund's largest pension Balanced option where 60% to 76% of the fund's assets are invested in growth investments. Where a fund does not have a Balanced option, the option closest to SuperRatings’ benchmark range of 60% to 76% growth investments is used. Outcomes vary between individual funds. Modelling performed on 16 September 2025 using data as at 30 June 2025. See www.industrysuper.com/assumptions for more details about modelling calculations and assumptions. 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. ISA Pty Ltd ABN 72 158 563 270 Corporate Authorised Representative No. 426006 of Industry Fund Services Ltd ABN 54 007 016 195 AFSL 232514.