Retirement income made easy

Stockspot Pension is an account-based pension with a personalised ETF portfolio, flexible drawdowns and ongoing advice.

Everything's handled for you on one simple platform, so you can easily manage your retirement income, stay invested and make the most of your super.

Join the waitlist to get early access.

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Why choose Stockspot Pension?

Stockspot Pension simplifies retirement. It's Australia’s first ETF-only account-based pension with ongoing advice included. No need for an SMSF, no hassles, no hidden costs.

1Choose how you want to retire

With Stockspot Pension, you have two flexible options.

Personalised investment strategy

1. Account-based pension
Get a regular income when you’ve fully retired.

2. Transition to retirement (TTR) pension
Top up your income while you’re still working part-time or semi-retired.

With both options, you’re in control.

Prefer to reinvest your dividends instead? That’s fine too. Just let us know and we’ll take care of it.

2A portfolio that evolves with you

Stay on track with the right balance of growth, income and capital protection in retirement.

A portfolio that evolves with you

Our pension advice follows the same proven ETF strategy we use across Stockspot Super and our regular investment portfolios.

It’s built to balance income, inflation, and market risk... so your investments keep working for you through retirement.

3Built on the success of Stockspot Super

The same investment philosophy and technology, built to support you through retirement.

Inbuilt risk management

If you're already with Stockspot Super, switching to pension is simple. We use the same platform, so your portfolio stays matched to your age and goals.

Joining from another super fund? We’ll guide you through the move. You’ll get a personalised Statement of Advice that explains your investment strategy in plain English, along with clear step-by-step instructions.

4Portfolio diversification

Your portfolio is spread across different geographies and asset classes - including gold.

Portfolio diversification

We invest in a mix of growth and defensive assets through ETFs that provide exposure to diversified asset classes, including Australian shares, global shares, bonds, and commodities.

Unlike most super funds, we allocate a portion of your portfolio to gold, which can offer many benefits including protection when it's needed most. No need to create an SMSF to access this precious metal.

By being more diversified, your portfolio is designed to withstand the ups and downs of markets - and importantly, perform over the long term.

5Transparent investments

Know exactly what you own at all times.

Transparent investments

You'll enjoy complete transparency, so you can easily see where your money is invested, how individual ETFs are performing, and the fees charged on your individual account.

No unlisted assets with infrequent valuations. This ensures you don't overpay when your contributions are invested since all of Stockspot's recommended ETFs adjust to their fair market value daily.

More reasons to join Stockspot Pension

Australia's largest online investment adviser

More than 15,000 Australians trust Stockspot to grow and protect their wealth.*

Join the waitlist to get early access.

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The only fund with a 10%+
allocation to gold across all option

Gold has cushioned Stockspot clients from major market falls and outperformed traditional defensive assets like government bonds over 10 years.

phone gold assets

10 years of investment
track record

Our investment portfolios outside of super outperformed at least 99% of similar funds over the last 10 years.^

better track record

An award-winning platform

Our 24/7 client dashboard, app, and educational blog make it easy for you to stay up to date.

better track record
better track record
5th fintech awards 2020

Winner, Best FinTech Wealth Management Platform, 2020

Winner, Excellence in Wealth Management, 2021

Finalist, Best Investment Innovation, 2020

Friendly expert advice

Stockspot advisers are always available to help you along your investing journey. They're only an email, phone call, or live chat away.

App With Advisers
* Automated investing service providing personal advice. Based on publicly available information. + As at Feb 2025 # Past performance is no indication of future performance. ^Stockspot, https://morningstar.com.au comparison group of 331 surviving investment funds and their after-fee returns over the 10 years from 1 January 2015 up to 31 December 2024. Comparison is based on the after-fee returns of a Silver tier investment in either Stockspot Amethyst, Turquoise or Topaz portfolios (our most popular portfolio in each risk category) on the basis that they have similar exposure to growth assets to the moderate, balanced and growth multi-sector investment funds that have been compared. Past performance is no indication of future performance.

Trusted by thousands of Australians

5th fintech awards 2020

Winner, Best FinTech Wealth Management Platform, 2020

Winner, Excellence in Wealth Management, 2021

Finalist, Best Investment Innovation, 2020

Frequently asked questions

What is an account-based pension?

An account-based pension lets you turn your super into a regular income once you’ve met the conditions for accessing it. It’s flexible and designed to support you through retirement.

With Stockspot Pension, your money stays invested in a diversified portfolio of ETFs to help it grow over time. You choose how much to withdraw and when - the rest stays invested to keep working for you.

Who can open a Stockspot Pension account?

Anyone who’s eligible to start a super pension can open an account. There’s no set age limit - you just need to meet the legal requirements, like reaching your preservation age or retiring.

What’s the difference between Stockspot Super and Stockspot Pension?

Stockspot Super is for when you’re still building your super. It’s designed for the accumulation phase before retirement.

Stockspot Pension is for when you’ve reached retirement or can access your super. It helps you draw a regular income or take out lump sums from your balance.

Is Stockspot Pension suitable for transition to retirement (TTR)?

Yes. Stockspot Pension includes a transition to retirement option. It’s designed to boost your income if you’re looking to cut back on work or ease into retirement gradually.

What are the fees?

The annual fees range from 0.58% to 0.86% p.a. depending on your super balance and investment strategy. This covers the Stockspot MDA fee, ETF management fees and administration fees.

What portfolio will I get?

If you’re over 65, we’ll usually recommend the Amethyst portfolio. It’s designed to manage the key risks in retirement - like income needs, inflation, longevity and market volatility.

You’re also free to choose a different portfolio if you prefer something else.

How do drawdowns work?

You’re in control. You choose how much to withdraw and how often. The money gets paid straight into your linked bank account.

Can I reinvest my dividends?

Yes. By default, dividends aren’t reinvested so they can be used as part of your income. But if you’d rather reinvest them, you can easily change this in your portfolio settings.

What happens if I don’t need the money right now?

You still need to withdraw the minimum amount set by super rules each year. But if you don’t need the money straight away, you can direct your pension payments into a Stockspot investment account. That way, your money keeps growing until you’re ready to use it.