Accessing super

Find out the 12 ways to legally access your superannuation including what happens if you access your super before the age of 60, or you relocate overseas or you want to withdraw your super to cover your mortgage or other bills.

Accessing super also includes a special section called Accessing super early, which contains articles dealing specifically with accessing your benefits before retirement.


Below are some of our key Accessing super articles:

Set out below are all SuperGuide articles explaining Accessing super.

2015 Federal Budget summary: No new taxes on super but bumpy ride for retirees

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On 12 May 2015, the federal treasurer Joe Hockey released the second federal budget of his career. While last year’s budget was fire and brimstone and targeted ‘leaners’ (who Hockey blamed for the state of Australia’s finances, when he was not blaming the former ALP government), Hockey’s launch of … [Read more...]

Accessing super early: Terminal illness

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Q: I have a terminal illness. Can I access my super benefits? A: I’m sorry to read about your illness. The superannuation rules do recognise that super benefits can be accessed early under such devastating circumstances. For your information, ‘terminal illness’ for the purposes of accessing … [Read more...]

Accessing super early: Terminally ill receive tax break

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Individuals with a terminal medical condition are able to access their super lump sum payments tax-free, regardless of age. A super fund can release super benefits to a member if they have a terminal medical condition. According to the legislation, a terminal medical condition exists if two … [Read more...]

No tax in retirement because you SAPTO (updated rates)

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This article is updated annually with new rates, or periodically to highlight changes (if any) to the Seniors & Pensioners Tax Offset (SAPTO) rules. This article includes SAPTO rates for the 2014/2015, 2013/2014, and 2012/2013 years, and SATO rates for the 2011/2012, 2010/2011, 2009/2010 and … [Read more...]

Age Pension: March 2015 rates now apply

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Note: This article explains the current Age Pension rules, which are applicable until at least December 2016. If you are seeking information on the proposed changes to the Age Pension rules announced in the 2015 Federal Budget, and taking effect from January 2017 (subject to legislation, and … [Read more...]

Age Pension: Assets test thresholds from 20 March 2015

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Note: This article explains the current Age Pension rules, which are applicable until at least December 2016. If you are seeking information on the proposed changes to the Age Pension rules announced in the 2015 Federal Budget, and taking effect from January 2017 (subject to legislation, and … [Read more...]