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Wind down your workload. Not your lifestyle.

A Transition to Retirement (TTR) account may help make the transition from work to retirement a lot easier. The TTR strategy is designed to give you time to prepare for life’s next milestone by providing access to your superannuation before you retire.

TTR lets you access your super while you’re still working, giving you time to get yourself ready for life’s next big adventure. 

Access super sooner

You can access some of your super prior to retirement with a TTR account. If you’ve reached your preservation age, are still working, and looking to retire in the not-too-distant future, a TTR account is worth considering. Enjoy a gentler transition from full-time employment to part-time retirement, without losing your income and security.

Date of birth

Preservation age

From 1 July 1964

60

1 July 1963 – 30 June 1964

59

1 July 1962 – 30 June 1963

58

1 July 1961 – 30 June 1962

57

1 July 1960 – 30 June 1961

56

Before 1 July 1960

55

Why put your super in a TTR account?

A TTR strategy can be hugely beneficial if you’re not ready for full-time retirement:

  1. You can reduce your hours in full-time employment but still contribute to your super and ease into retirement without losing your take-home income.
  2. You can increase salary sacrifice super contributions, up to your concessional contribution cap, and depending on your income, you may pay lower tax

Things to note:

Opening a TTR account comes with some conditions. TTR accounts can only be released as a lump sum payment if you have satisfied a condition of release. Any unrestricted non-preserved components of these accounts are not counted.

Also note that temporary residents can’t access pensions.

Take control of your future. Contact us on 1300 348 546.

This information is general advice only and does not take into account your personal objectives, financial situation or needs. You should consider if this information is appropriate for you in light of your circumstances before acting on it. Please read the relevant Hostplus Product Disclosure Statement (PDS), available at hostplus.com.au before making a decision about Hostplus.

Issued by Host-Plus Pty Limited ABN 79 008 634 704, AFSL 244392 as trustee for the Hostplus Superannuation Fund (the Fund) ABN 68 657 495 890, MySuper No 68 657 495 890 198."

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