Accessing super

Find out the 14 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.

Retiring before the age of 60: the tax deal

If you retire before the age of 60, your super benefit payments 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.If you’re willing to wait until you turn 60 before you retire, you … [Read more...]

Tax-free super for over-60s, except for some

If you withdraw your super benefits after you turn 60 years of age, you can expect to pay NO tax on those super benefit payment, unless you are a member of certain public sector super funds (see summary table at the end of this article).Due to the large number of emails I receive on this topic, … [Read more...]

2016 Federal Budget summary: Superannuation shock for Australians

Note: This article is regularly updated reflecting the latest information available on the superannuation changes announced in the 2016 Federal Budget, and to become law before 1 July 2017.On 3 May 2016, the federal treasurer Scott Morrison released the first federal budget of his career, and … [Read more...]

Find lost super in 5 steps, and make quick cash

Did you know that more than $16 billion dollars is sitting in 6 million lost super accounts (and ATO-held super accounts) waiting for Australians to claim the super cash?If you’re one of the many Aussies with one or more lost accounts then you better act quickly. The federal government has … [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 many of the proposed changes will not apply for the 2016/2017 year.Apart from the $500,000 lifetime after-tax … [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...]

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

Note: This article explains the latest Age Pension rates, applicable until 19 September 2016. The Age Pension rates are indexed twice-yearly, with the next adjustment taking effect from 20 September 2016. If you are seeking information on the changes to the Age Pension assets test rules taking … [Read more...]

Age Pension: Assets test thresholds applicable since July 2016

Note: This article explains the latest Age Pension assets thresholds, applicable from 1 July 2016. If you are seeking information on the latest Age Pension rates, see SuperGuide article Age Pension: March 2016 rates now apply (until September 2016). If you’re looking for information on the Age … [Read more...]

The super challenge: At what age should I retire?

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.Although … [Read more...]

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