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:

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.
You can increase salary sacrifice super contributions, up to your concessional contribution cap, and depending on your income, you may pay lower tax.
You could earn more money as, unlike your super benefit, the earnings in a TTR account are not taxed, which helps boost your retirement funds faster¹.

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. If your circumstances change you may be eligible to transfer the balance of your TTR account into your super.

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

^{1 In the event of negative returns tax benefits will not be applicable.}