• Personal
  • Employers
  • Advisers
  • Calculators & forms
  • News Hub
  • Contact us
QSuper QSuper
  • Products
    • Why QSuper
    • Can I join QSuper
    • Investment options
    • Fees
    • Financial advice
    • Compare us
    • Insurance
    • Account types
      • Accumulation account
      • Transition to Retirement Income account
      • Retirement Income account
      • Lifetime Pension
      Why QSuper?

      A focus on long-term performance

      More reasons to feel good
  • Super
    • Grow your super
      • Salary sacrifice
      • Super co-contribution
      • Voluntary contributions
      • Spouse contributions
      • Contribution caps
      • Tax deductions
    • Self-Managed Super Funds (SMSFs)
    • Consolidate your super
    • Find your lost super
    • Changing jobs
    • Nominate beneficiaries
    • Early access
      • Claim a death benefit
    • Seminars and education
  • Retirement
    • Why retire with QSuper
    • Retirement accounts
      • Transition to Retirement Income account
      • Retirement Income account
      • Lifetime Pension
    • Retirement planning
      • Make your super last in retirement
      • The Age Pension and Super
    • How much super do you need to retire
    • Access your super
      • When can you access your super
      • Proof of identity
      • Withdraw your super
    • Seminars and education
      Award-winning

      Our Lifetime Pension won Canstar's Innovation Excellence Award 2023

      Find out more
  • Investments
    • Investment options
      • Lifetime
      • Diversified and asset class
    • Performance
      • Overview
      • Graphs
      • Unit prices
    • Online investment advice
    • Change your investment options
    • How QSuper invests
    • Investing your super
  • Insurance
    • Insurance options
      • Income protection
      • Total & permanent disability cover
      • Death cover
    • How much insurance cover do you need
    • Change or cancel your insurance
    • Make an insurance claim
      • Death benefit claims
  • Advice
  • Calculators & forms
  • News Hub
  • Contact us
Join
  • Call
Join Log In - Open navigation
Member Online

Forgot username?
Forgot password?
Register

Navigation

QSuper
  • Personal
  • Employers
  • Advisers
  • Search
  • Join Log In
  • Products Expand
    • Why QSuper
    • Can I join QSuper
    • Investment options
    • Insurance
    • Fees
    • Financial advice
    • Account types Expand
      • Accumulation account
      • Transition to Retirement Income account
      • Retirement Income account
      • Lifetime Pension
    • Compare us
  • Super Expand
    • Consolidate your super
    • Grow your super Expand
      • Salary sacrifice
      • Super co-contribution
      • Voluntary contributions
      • Spouse contributions
      • Contribution caps
      • Tax deductions
    • Find your lost super
    • Changing jobs
    • Nominate beneficiaries
    • Early access Expand
      • Claim a death benefit
    • Seminars and education
    • Self-Managed Super Funds (SMSFs)
  • Retirement Expand
    • Why retire with QSuper
    • Retirement accounts Expand
      • Transition to Retirement Income account
      • Retirement Income account
      • Lifetime Pension
    • How much super do you need to retire
    • Retirement planning Expand
      • Make your super last in retirement
      • The Age Pension and Super
    • Access your super Expand
      • When can you access your super
      • Proof of identity
      • Withdraw your super
    • Seminars and education
  • Investments Expand
    • Performance Expand
      • Overview
      • Graphs
      • Unit prices
    • Investment options Expand
      • Lifetime
      • Diversified and asset class
    • Online investment advice
    • Change your investment options
    • How QSuper invests
    • Investing your super
  • Insurance Expand
    • Insurance options Expand
      • Income protection
      • Total & permanent disability cover
      • Death cover
    • How much insurance cover do you need
    • Change or cancel your insurance
    • Make an insurance claim Expand
      • Death benefit claims
  • Advice
  • Your account Expand
    • Super Expand
      • Transactions
      • Statements and History
      • Consolidate
      • Add to Super in Retriement
      • Investments
      • Performance
      • Financial Advice
      • Insurance
    • Profile Expand
      • Personal details
      • Security
      • Authorities
      • Employer
      • Beneficiaries
    • More Expand
      • Contact us
  • Calculators & forms Expand
    • Superannuation & Retirement Calculators Expand
      • Super and retirement planning calculators
      • Retirement planning
      • Insurance
      • Maximise your super
      • Savings
      • Investing
    • Forms Expand
      • All
      • Forms for claims, withdrawals, and transfers out
      • Forms for deposits, contributions and transfers in
      • Insurance forms
      • Investments
      • Transfer
      • Other forms
    • Publications Expand
      • PDS
      • Guides
      • Annual reports
      • Factsheets
      • Other publications
      • Target Market Determination
  • News Hub Expand
    • Category Expand
      • News
      • Superannuation
      • Retirement
      • Finances
      • Investments
      • Community
      • Wellbeing
      • Employer
  • Contact us Expand
    • Email QSuper
    • Language assistance
    • Browser support
    • Formal enquiries and complaints
    • FAQs – Frequently Asked Questions

News Hub

All Articles News Superannuation Retirement Finances Investments Community Wellbeing
News Hub Retirement

Location the key to happiness for retirees Scott and Monica

Finance Lifestyle Superannuation
07 December 2021 3 min read

Scott McDowall and Monica Garner were some of the first QSuper members to sign up for our award-winning1, industry-first Lifetime Pension, which Scott says took away most of the anxiety of having to manage their funds in retirement.

Retired couple sitting by a pool

The couple met while they were both working in the Queensland Government’s Environment Department and have been QSuper members for 37 and 45 years respectively.

“We didn't think a lot about what we would do when we retired, but a lot of planning went into where we would do it,” Scott said.

“We considered Esperance and Stanthorpe – but the weather soon ruled that out. By the time I retired, we had purchased land in Hervey Bay.

It's lovely here. We live very simply. We just wake up and have the freedom to do whatever we want.

“We have good friends and acquaintances that drop in regularly. We can walk along the Esplanade for hours, and the weather is so good I swam laps daily until June 22 - I do have a wetsuit, though, so there is some cheating involved.

Why retirees are choosing Lifetime Pension
Learn more

“I also bought a keyboard, and I'm learning to play. I’m a terrible pianist, but I enjoy it and I keep pounding away,” Scott said.

When it comes to retirement, you have to be honest with yourself about where you are financially, what you want, and come up with a plan. Don't just hope it will all work out.

“The fact the Lifetime Pension is a fixed payment took away a lot of the anxiety for us. We know that we have enough coming in regularly to cover our day-to-day expenses, but we still have access to additional funds to take care of the big things we might want or need.”

click icon

Tell us your story

Got a story to tell? If you’d like to share your story with QSuper, contact us.

In the ‘Enquiry type’ box, just click ‘Other’

In the ‘Message box’, just write: ‘To the Editor, I would like to share my story’

Fill in the remaining required details and one of our QSuper Communications Specialists will get in touch.

 


1. Past performance is not a reliable indicator of future performance.

The views of these members are not necessarily those of the QSuper Board (ABN 32 125 059 006), and reflect their own personal circumstances, so their choices and outcomes will be different to yours. Consider your circumstances before deciding what is right for you. Product issued by the QSuper Board. Please consider the PDS and TMD at qsuper.qld.gov.au/pds to see if it is right for you.

Related Content
100 How to live to 100: tips from a QSuper member
01 Nov 5 MIN READ

QSuper member Joyce Sharman reveals her simple secrets for living a long, healthy life.

Read more
Community Lifestyle
IF YOU ENJOYED THIS ARTICLE, YOU MIGHT ALSO LIKE...
100 How to live to 100: tips from a QSuper member
01 Nov 5 MIN READ

QSuper member Joyce Sharman reveals her simple secrets for living a long, healthy life.

Read more
Community Lifestyle
Young couple at laptop Why long-term performance is a key factor for your super
05 Aug 5 MIN READ

A super fund’s long-term performance is important to a member’s retirement

Read more
Investments Superannuation News
Lifetime Pension Case Studies Why retirees have chosen QSuper’s Lifetime Pension
15 Jun 6 MIN READ

QSuper’s new retirement product does more than provide an income for life.

Read more
Finance Superannuation
Candid photo of man and woman smiling Paying less tax on your super in retirement
18 Feb 4 MIN READ

Are you one of the 700,000 Australian retirees missing out on $650 a year?

Read more
Superannuation
All Articles News Superannuation Retirement Finances Investments Community Wellbeing
  • Our products
    • Why QSuper?
    • Investment options
    • Fees
    • Insurance
    • Financial advice
  • Super & retirement
    • How much do you need?
    • Grow your super
    • Consolidate
    • Changing jobs
    • Seminars
    • Access your super
  • Investments
    • Performance
    • Unit prices
    • Graphs
  • Calculators & Forms
    • Calculators
    • Forms
    • Publications
    • PDSs
    • TMDs
    • Member Outcomes Assessment
  • Contact us
    • 1300 360 750
      Mon-Fri 8.00am to 6.00pm AEST
  • About us 
  • Careers 
  • Sitemap 
  • Privacy 
  • Security 
  • Disclaimer 
  • Terms and conditions 
  • Disclosure 
  • MySuper product dashboard 
We're part of Australian Retirement Trust
2020 awards
Facebook LinkedIn YouTube

The information on this website contains general information only. It doesn’t consider your personal objectives, financial situation, or needs. Before making any decisions about QSuper, you should read the relevant Product Disclosure Statement (PDS) and Target Market Determinations (TMD) to consider whether the product is right for you.