Accessing super
There are multiple ways that you can legally access your superannuation. These are known as conditions of release.
People most commonly think of accessing super at retirement, but there are times some or all of your super balance may be withdrawn early, such as if you develop a terminal illness or are suffering severe financial hardship.
You might also choose to release some of your voluntary savings to help with the purchase of your first home.
The following guides explain when you can access your super
Accessing super between 60 and 65
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In certain circumstances, you might be able to access your super early
What are unrestricted and restricted non-preserved super benefits?
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Retiring early due to ill health? 6 steps to stay on track
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Proportioning rule and super tax: What it is and why it matters
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How the First Home Super Saver (FHSS) scheme works
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There are different tax implications if you access your super before or after age 60
Your tax guide to accessing your super under age 60
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Your tax guide to accessing your super over age 60
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Any super remaining after you pass away may be able to be directed to dependents
Your super after death: How to get your savings into the right hands fast
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A simple guide to what tax is payable on super death benefits
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Reversionary pensions: What they are and how they work
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Q&A: How can we reduce the super death tax for our beneficiaries?
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Death benefits Q&As
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Should you fully withdraw super prior to death to minimise tax payable by your beneficiaries?
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Try our step-by-step guides
It’s always easier to make progress when there are simple steps you can follow. Our step-by-step guides will give you clarity over what you can do to transform your super, as well as plan, prepare for and start retirement.