If you will receive an AFPS pension soon, it’s going to go up when you turn 55, maybe again at 65 if on AFPS05 but it will be taxable so long as you call Australia home. You will also get a UK state pension at some point. Probably half what you are expecting should you live to 100 the way all UK Governments keep stealing from the pot they filled with ‘your’ money and changing the rules. The good news is, if you retire at 60+ your ADF Super fund isn’t taxable, so your UK income drops down into the Aus tax free or lower tax bands. You will keep more of it, but not all!

From 60 you can switch to a retirement-income stream. Mandatory draw down rates apply, you may need to invest what you don’t spend annually elsewhere or put it in your kids and grandkids Supers. But that decision and math is for another day.

The current draw down rates are: