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Accessing super

Find out the Accessing super early: 14 legal ways to withdraw your super benefits 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.

Accessing super early: 14 legal ways to withdraw your super benefits

Many Australians are facing hard times, especially with structural change transforming our economy. The harsh reality is that mortgage repayments and everyday living expenses continue even when you suffer redundancy, illness or other forms of misfortune.We receive hundreds of emails from our 2 … [Read more...]

Latest retirement deal! Lose Age Pension, receive Seniors Health Card

The stricter Age Pension assets test has now become law, although the changes won’t take effect until January 2017. The federal government predicts that more than 300,000 Australians will be worse off under the harsher assets test starting from 1 January 2017, with nearly 100,000 Australians losing … [Read more...]

Superannuation changes: What rules apply for the 2016/2017 year?

Although the newly elected Coalition government has announced significant amendments to Australia’s superannuation rules, many of the big-ticket super policies are not changing, and now, none of the proposed changes will apply for the 2016/2017 year.Apart from the proposed $500,000 lifetime … [Read more...]

2016 Federal Budget update: Superannuation changes likely to become law

SUPER ALERT! On 15 September 2016, Treasurer Scott Morrison and Minister for Revenue and Financial Services Kelly Dwyer issued a joint media release announcing significant adjustments to proposed new superannuation policies. The change of heart on some super policies was as a direct result of … [Read more...]

Super alert! Age Pension income test change hits funded defined benefit pensions

Taking effect from 1 January 2016, the federal government announced and legislated changes to the Age Pension income test for those Australians (retired public servants and retired employees of some large companies) who receive funded defined benefit superannuation pensions. Unfunded defined benefit … [Read more...]

Age Pension income test: Deeming rates and deeming thresholds

Note: This article explains the latest deeming rates and the deeming thresholds for the Age Pension income test. If you are seeking information about the latest increases in the thresholds for the Age Pension income test and Age Pension assets test see SuperGuide article Age Pension: More … [Read more...]

Super for Beginners (25 Q&As)

One of SuperGuide’s more popular initiatives has been the development of a ‘Super for Beginners’ section that answers some of the many questions that we receive from those readers who are new to superannuation and new to super’s terminology.The series currently consists of several lead articles, … [Read more...]

Age Pension: September 2016 rates now apply (until March 2017)

Note: This article explains the latest Age Pension rates, applicable until 19 March 2017. The Age Pension rates are indexed twice-yearly, with the next adjustment taking effect from 20 March 2017. If you are seeking information on the changes to the Age Pension assets test rules taking effect from … [Read more...]

Age Pension: Assets test thresholds applicable since September 2016

Note: This article explains the latest Age Pension assets thresholds, applicable from 20 September 2016. If you are seeking information on the latest Age Pension rates, see SuperGuide article Age Pension: September 2016 rates now apply (until March 2017). If you’re looking for information on the Age … [Read more...]

New income test rules mean less Age Pension

Note: This article explains the current Age Pension income test rules. (If you are seeking information on the changes to the Age Pension asset test rules taking effect from January 2017, then see the SuperGuide article Age Pension: 300,000-plus Australians to lose entitlements from January … [Read more...]

Super for beginners, part 24: Do I have to withdraw my super when I turn 65?

Q: I retired, sold my large house, downgraded, invested spare money and one month after I invested, I lost $50,000 just like that. I would like to know whether I can keep my super going beyond age 65, maybe to age 67 to help recoup my losses on my outside investments?A: I’m very sorry to read … [Read more...]

What is the retirement age in Australia?

In Australia, there is no official retirement age but there are special rules that apply to the age when you can withdraw your superannuation benefits (preservation age), and to the age when you can claim the Age Pension (Age Pension age).You can discover your preservation age (for accessing … [Read more...]