To ensure contributions are allocated to an ESSSuper account in the 2023-24 financial year, please submit your payment by 5:00pm on 14 June 2024.

Members can find their BPAY contribution details in Members Online. Employers should make payments through Employer Online.

We no longer accept cheques or EFTs, and you should contact us if you have any queries.

Stage 1: Pre-retirement planning phase

May 23 2024

As tempting as it may sound, spending all day doing nothing might not be so exciting in reality. And with people living longer, how you cope financially may depend on how well you plan for each life stage of your retirement.


Learn more about:

Personal interest networks

What opportunities are 'out there' for social interaction? How will you stay fit and active? Are friends retiring at the same time? What clubs could you join? Turn your personal interests into life changing opportunities.

Join an organisation or local club

There are lots of ways to locate and interact with like-minded active people. Click on the links below to start searching.

Become a volunteer 

Like to give back to the community? Many non-profit organisations would greatly appreciate your help. Find over 12,000 opportunities with Volunteering Australia here.

Getting involved locally

Your local council hosts community events which provide a great opportunity to socialise locally with others who share similar interests. Visit your local council's website to find out more information about local events such as:

  • Book clubs
  • Art exhibitions
  • Educational courses

Participate in Online Forums

Share Your Life Choices has created The Meeting Place where you can catch up online with friends old and new, near and far and post your thoughts on what matters most. It starts by clicking here.

Participate in research

Australian Clinical Trials is an organisation supported by the Australian Government to help improve the health of all Australians. For information on how to be part of a clinical trial, click here.

Financial and legal aspects of retirement

What does your retirement income look like? Are there income support payments or additional benefits you are eligible for? How is a general power of attorney different to a medical power of attorney? And do you have an estate plan in place?


The Australian Securities and Investments Commission designed their MoneySmart website to help you make smart choices about your personal finances.

Click on the links below for:



It's never too early or too late to be eligible for Centrelink assistance. Check the Centrelink website from time to time because eligibility requirements and your personal circumstances may change.

For payments and services that can help at every retirement life stage, click here

Further education

Have you considered further study? Retirement doesn't mean you stop learning. It may give the opportunity to pursue your passion or uncover a new career.

Whether it's a language or a new skill, you'll find affordable courses at:



This website contains links to other websites which are not under the control of and are not maintained by ESSSuper. ESSSuper is not responsible for the content of those sites. ESSSuper provides these links for your convenience only but does not necessarily endorse the material on these sites.