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.

Age Pension: Assets test thresholds rise 1 July 2014   Super Guide

An eligible individual must satisfy the Age Pension income test, and the Age Pension assets test to receive a full, or part, Age Pension.

Accessing super: What is my preservation age?   Super Guide

The Federal Treasurer, Joe Hockey, has spooked the electorate by announcing an increase in the Age Pension age to 70. He has also been threatening to lift the preservation age for accessing superannuation benefits.

The super challenge: At what age should I retire? (updated)   Super Guide

Selecting a retirement age, even if you plan to continue some form of work during retirement, can be a difficult decision. In some cases, individuals don’t get a choice about when to retire due to health issues, or due to redundancy in later years and then difficulty finding another job.

2014 Federal Budget: What the Age Pension changes means for you   Super Guide

The Federal Treasurer has made it clear: the Age Pension age is increasing to 70 years from 2035. Federal Treasurer Joe Hockey confirmed this significant change to the Age Pension rules in the 2014 Federal Budget on 13 May 2014.

Age Pension age increasing to 70 years (updated table)   Super Guide

In May 2014, the federal treasurer Joe Hockey announced that the Age Pension age will increase to age 70 by year 2035, and confirmed this fact in the 2014 Federal Budget.

Start planning! New income test rules mean less Age Pension   Super Guide

Changes to the deeming rules will potentially have financially devastating effects on the Age Pension entitlements of future retirees.

SMSF pension: After making super contributions, when can I convert to another pension?   Super Guide

Can I start the new account based pension as soon as I meet another “condition of release”, i.e. stop my part time employment?

SMSF pensions: How do I start one?   Super Guide

Q: How do you change your self-managed super fund (SMSF) from accumulation phase to pension phase (husband aged 60, and retired) and transition-to-retirement pension phase (myself aged 57 and still working part time)?

Super for beginners, part 8: What happens to my super benefits when I retire?   Super Guide

Q: I have a superannuation fund accumulating (although I am no longer making super contributions). I am 52 and I intend retiring at age 60.

Retiring before the age of 60: the tax deal   Super Guide

If you retire before the age of 60, your super benefits are likely to be subject to tax — but not always. With the right structure, and usually with expert advice, many Australians retiring early can end up paying no tax.