An industry super fund for all Australians
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To gain access to your super savings, you generally need to:
These are the main conditions for the release of superannuation benefits.
Preservation age is not the same for everyone as it depends on when you were born.
It shouldn’t be mistaken with qualifying for the Age Pension.
Use the table below to work out your preservation age.
There are certain other circumstances in which you may be able to access your super early, but you’ll still need to meet a condition of release:
Note that if you’re a temporary resident (but not a citizen of New Zealand or a holder of a Subclass 405 or Subclass 410 visa), you won’t have access to your super benefits before leaving Australia, unless:
If you have any unrestricted non-preserved benefits, you can also access this amount at any time. Login to Members online to check your latest statement for any unrestricted non-preserved benefits.
A transition to retirement strategy is an option to consider if you’ve reached your preservation age, but you’re not quite ready for full retirement.
Taking out a transition to retirement pension (also often called a transition to retirement account-based pension) will allow you to draw on some of your super savings as a regular income stream while you still continue to work.
You can also continue contributing to super to tax-effectively build your wealth. From 1 July 2017, the investment earnings on a transition to retirement pension are taxed at up to 15%.
Under transition to retirement rules, you are limited to withdrawing a maximum of 10% of your account balance each year, and you can’t take lump sum payments.
Find out more about using your superannuation in retirement.
Contact us if you’d like more information on accessing your super.
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