Transition to Retirement

A type of account available to members who have reached preservation age and want to access their super while working. You can receive regular payments from your super, while keeping the balance of your funds invested.

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Transition to Retirement strategies

Transition to Retirement (TTR) strategies can enable you to keep earning while making the most of your super.

When you reach your preservation age, you can access your super as a Transition to Retirement (TTR) pension without having to retire. This means you can keep earning a wage, while starting to draw down on your super. This strategy can also have some tax benefits.

Transition to Retirement Pension features

Suitable for people who are still working and have reached their preservation age and want to save tax while growing their super, or supplement their income by accessing their super savings (up to 10% of your TTR account balance per financial year).

Minimum investment amount


Payment frequency

Twice monthly, monthly, quarterly, half-yearly or yearly.

Payment amount

You can choose an income between your minimum and maximum limits.

Investment options

There are 11 investment options available, including a self-managed option, the Direct Investment option.

Lump sum withdrawals

You cannot have partial or full lump sum withdrawals from a TTR account. You can only receive pension payments up to your maximum limit.

Account closure

You can roll back your TTR account in to your regular super account at any time. You are not locked in to a TTR account for any defined term.

Need more help? Contact our Client Services team

As a member, you can get personalised support from our Client Services team at no cost or obligation. They can provide general information and limited personal advice on managing your retirement account.
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All Client Service Managers are registered on the Australian Securities and Investment Commission Financial Adviser Register. This register shows where a financial adviser has worked, their qualifications, training, memberships of professional bodies, and what products they can advise on.