An indexed-guaranteed pension is a better option than gambling with your future retirement. : I am aged 59, married and thinking of retiring in a year or two. My defined-benefit with Unisuper is about $1.2 million. My main concern is what choice to make the day I decide to retire: take up Unisuper's indexed-linked pension, select its Flexi-pension scheme or go to the races and make friends with some bookies.