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.
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.
With Stockspot Pension, you have two flexible options.
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.
Stay on track with the right balance of growth, income and capital protection in retirement.
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.
The same investment philosophy and technology, built to support you through retirement.
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.
Your portfolio is spread across different geographies and asset classes - including gold.
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.
Know exactly what you own at all times.
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 than 15,000 Australians trust Stockspot to grow and protect their wealth.*
Join the waitlist to get early access.
Gold has cushioned Stockspot clients from major market falls and outperformed traditional defensive assets like government bonds over 10 years.
Our investment portfolios outside of super outperformed at least 99% of similar funds over the last 10 years.^
Our 24/7 client dashboard, app, and educational blog make it easy for you to stay up to date.
Winner, Best FinTech Wealth Management Platform, 2020
Winner, Excellence in Wealth Management, 2021
Finalist, Best Investment Innovation, 2020
Stockspot advisers are always available to help you along your investing journey. They're only an email, phone call, or live chat away.
Winner, Best FinTech Wealth Management Platform, 2020
Winner, Excellence in Wealth Management, 2021
Finalist, Best Investment Innovation, 2020
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.
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.
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.
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.
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.
You’re in control. You choose how much to withdraw and how often. The money gets paid straight into your linked bank account.
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.
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.