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SMSF pensions

Like all super funds, self-managed super funds (SMSFs) can provide you with pension or lump sum benefits in retirement. Retirement is a condition of super release if you have reached your preservation age. Your preservation age is between 55 and 60, depending on your date of birth. Super benefits are tax-free if you’re over the age of 60.

If you start a super pension income stream, you need to transfer funds from your accumulation account to your retirement account to fund your pension. The earnings on these funds are tax-free. You can transfer up to the transfer balance cap (up to $1.6 million) into your retirement account. You need to withdraw a minimum percentage of your retirement account balance each year, ranging from 4 to 14% depending on your age.

Transition-to-retirement (TTR) pensions can be commenced once you have reached your preservation age while you’re still working. However, the earnings on funds that support TTR pensions are still taxed at 15%, unlike the funds that support your super pension are if you have retired.

Learn more about the key aspects of SMSF pensions in the following SuperGuide articles:

  • Definitive guide to the $1.6 million transfer balance cap - Statement 12607353 c 100x75

    Definitive guide to the $1.6 million transfer balance cap

  • Guide to transition to retirement pensions (TTRs or TRISs) - TrainTracks 1 100x75

    Guide to transition to retirement pensions (TTRs or TRISs)

  • Proportioning rule and super tax: What it is and why it matters - 315193729 196485f07f o 100x75

    Proportioning rule and super tax: What it is and why it matters

  • What is included in my Total Superannuation Balance, and when does it apply? - Balance 22620521 c 100x75

    What is included in my Total Superannuation Balance, and when does it apply?

  • SMSFs: How to start a pension - Pixmac000082823027 withdraw 100x75

    SMSFs: How to start a pension

  • Starting a pension from your super - superannuation pensions colorful markers 2 100x75

    Starting a pension from your super

  • SMSFs: What are the lump sum withdrawal rules? - Safe 10742587 c 100x75

    SMSFs: What are the lump sum withdrawal rules?

  • Guide to minimum pension payments rules (including calculator) - minimum pension calculator 100x75

    Guide to minimum pension payments rules (including calculator)

  • Did tax kill the transition to retirement magic pudding? - Pixmac000012375043 cake trip 100x75

    Did tax kill the transition to retirement magic pudding?

  • Set out below are all SuperGuide articles that relate to SMSF pensions.

    Definitive guide to the $1.6 million transfer balance cap

    November 19, 2019 by Penny Pryor 1 Comment

    Definitive guide to the $1.6 million transfer balance cap - Statement 12607353 c 100x75

    One of the most significant changes to superannuation – the introduction of the $1.6 million transfer balance cap – became effective on 1 July 2017. The Australian Taxation Office (ATO) estimates the changes will impact only 1% of Australian superannuants, however that 1% needs to be clearly across the Treasury ... Read more

    What is included in my Total Superannuation Balance, and when does it apply?

    May 7, 2019 by Penny Pryor Leave a Comment

    What is included in my Total Superannuation Balance, and when does it apply? - Balance 22620521 c 100x75

    The concept of total superannuation balance, or TSB, was introduced on 1 July 2017 as part of the Treasury Laws Amendment (Fair and Sustainable Superannuation) Act 2016 as a means to measure your total superannuation interests at any point in time. It is used to determine eligibility for a number of new superannuation ... Read more

    TBAR – Transfer balance account reporting for SMSFs

    May 6, 2019 by Penny Pryor Leave a Comment

    TBAR – Transfer balance account reporting for SMSFs - smsf event based reporting 11630169 c 100x75

    From 1 July 2017 the Federal government introduced the transfer balance cap, which currently sits at $1.6 million and which will be indexed periodically in $100,000 increments. The transfer balance cap is the limit on the amount that can be used to commence a pension in retirement phase. It is the total amount that can ... Read more

    SMSFs: How to start a pension

    April 7, 2019 by Penny Pryor 1 Comment

    SMSFs: How to start a pension - Pixmac000082823027 withdraw 100x75

    One of the benefits of having a self-managed superannuation fund (SMSF) is its ability to pay members an income stream, or account-based pension. Of course any superannuation fund can do this, but paying a pension from an SMSF offers members more control and flexibility. The trustee can decide what assets will be ... Read more

    What are the asset valuation guidelines for SMSFs?

    April 6, 2019 by SuperGuide Leave a Comment

    What are the asset valuation guidelines for SMSFs? - Asset Valuation 59455401 c 100x75

    SMSF trustees are required to regularly value their fund’s assets as a part of ensuring compliance with Australia’s super legislation. Assets must be valued at market value, based on appropriate evidence and data. The Australian Taxation Office (ATO) can review these asset valuations as a part of their ongoing SMSF ... Read more

    Starting a pension from your super

    April 5, 2019 by Barbara Drury Leave a Comment

    Starting a pension from your super - superannuation pensions colorful markers 2 100x75

    After working for decades to build your superannuation, the day finally arrives when you can say goodbye to the nine-to-five and turn your super into a reliable source of retirement income. Depending on your account balance, a super pension can be used to supplement the Age Pension or replace it entirely. The most ... Read more

    Estate planning, super and SMSFs: Getting your house in order

    February 11, 2019 by Luke Vanem Leave a Comment

    Estate planning, super and SMSFs: Getting your house in order - Pixmac000084597952 estate planning dastardly 100x75

    Estate planning is often overlooked or neglected by superannuation investors. A broad and complex topic, it can be made easier by breaking down the key elements. This article won’t address all financial and legal issues in depth, especially for non-super assets. Instead, in the context of SMSFs, we will highlight some ... Read more

    Guide to SMSF administration, reporting and record-keeping

    February 5, 2019 by SuperGuide Leave a Comment

    Guide to SMSF administration, reporting and record-keeping - Filing 2354265 c 100x75

    SMSF trustees have a number of administrative, reporting and record-keeping obligations to ensure their fund’s compliance with superannuation and taxation legislation. Compliant super funds are eligible for the tax concessions available under Australian superannuation law. Member contributions and fund earnings for ... Read more

    Guide to SMSF trust deeds

    February 5, 2019 by SuperGuide Leave a Comment

    Guide to SMSF trust deeds - Update 19816485 c 100x75

    An SMSF trust deed is a legal document that outlines how the fund will be set up and how it will operate. An Australian SMSF must be established with a trust deed that is compliant with Australian superannuation legislation. Why is an SMSF trust deed necessary? An SMSF must be set up as a trust. A trust is a type of ... Read more

    Is $1 million really the magic number to start an SMSF?

    August 20, 2018 by Meg Heffron Leave a Comment

    Is $1 million really the magic number to start an SMSF? - smsf less million 27673755 c 100x75

    Guest contributor: Meg Heffron, the author of this article, is co-founder and a Director of Heffron SMSF Solutions – a firm that specialises in SMSFs. She is a qualified actuary with more than 25 years of superannuation experience. Depending on who you believe, self-managed superannuation funds range from being the ... Read more

    What are the Transfer Balance Account Report (TBAR) rules for SMSFs?

    June 15, 2018 by Meg Heffron 2 Comments

    What are the Transfer Balance Account Report (TBAR) rules for SMSFs? - tbar reporting 86049816 c 100x75

    Guest contributor: Meg Heffron, the author of this article, is co-founder and a Director of Heffron SMSF Solutions – a firm that specialises in SMSFs. She is a qualified actuary with more than 25 years of superannuation experience. It would be hard for anyone interested in SMSFs to have missed the fact that a number ... Read more

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    Contributions tax
    How super is taxed
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    Low Income Superannuation Tax Offset (LISTO)
    Excess contributions tax
    Investment income tax (earnings tax)
    How super is taxed
    Capital gains tax and super
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    Superannuation contributions tax
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    Minimum pension payment rules
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    Transition-to-retirement pensions
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    SMSFs: A Super Guide
    SMSFs for beginners
    What is an SMSF?
    Types of super funds
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    Enough super for an SMSF?
    What type of people have SMSFs?
    Setting up an SMSF
    SMSF trustee declaration
    Quiz: SMSFs for beginners
    SMSF costs
    What are typical SMSF fees?
    Enough super for SMSF costs?
    DIY (low-cost) SMSFs
    SMSF ATO supervisory levy
    SMSF audit fees
    SMSF investment
    Obtaining financial advice
    SMSF penalties
    SMSF administration and compliance
    SMSF administration
    SMSF compliance
    DIY (low-cost) SMSFs
    SMSF providers
    Setting up an SMSF
    SMSF reporting and record-keeping
    SMSFs and accountants
    SMSF audits
    SMSF administrative penalties
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    Creating an SMSF investment strategy (including samples)
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    Types of super benefits
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    • How super works
      • How super works: A Super Guide
      • Latest super and retirement changes
        • Superannuation news
        • Super rates and thresholds
        • Super rules: Your guide for 2018/2019
        • Latest Age Pension changes
        • Federal Budget and superannuation
        • Royal Commission into Banking and Superannuation and Financial Services
        • Superannuation Reviews
      • Super for beginners
        • How super works: A beginners guide to superannuation
        • Age-based superannuation guide
        • Super tips and strategies
        • Superannuation investment for beginners
        • SMSFs for beginners
        • Finding lost super
        • Super Guide for women
      • Super rates and thresholds
      • Superannuation strategies
        • Super housekeeping strategies
        • Super contributions strategies
        • Super investment strategies
        • Age-based super strategies
        • Retirement strategies
      • Superannuation Guarantee rules
        • Superannuation Guarantee rules: An introduction
        • Simple guide to SG
        • SG for employers
        • Non-payment of SG
        • Salary sacrificing and SG
        • Tax-deductible super contributions
      • Comparing super funds
        • Types of super funds
        • What is MySuper?
        • Comparing super funds in 7 steps
        • Choosing a super fund (fund choice)
        • Completing a Standard Choice Form
        • Investment performance
        • Super fees and charges
        • Insurance and super
        • Considering an SMSF
      • How-to Super Guides
      • Super Quizzes
      • Superannuation Q&As
    • Making super contributions
      • Making super contributions: A Super Guide
      • Contributions strategies
      • 2018/2019 Contributions Guides
        • Concessional (before-tax) contributions
        • Non-concessional (after-tax) contributions
        • Co-contributions
      • Super contributions caps
        • Concessional (before-tax) contributions cap
        • Catch-up concessional contributions
        • Non-concessional (after-tax) contributions cap
        • Bring-forward rule
        • Total superannuation balance and super contributions
      • Superannuation Guarantee (SG)
        • Simple guide to SG
        • SG for employers
        • Non-payment of SG
        • Salary sacrificing and SG
        • Tax-deductible super contributions and SG
      • Salary sacrifice and super
      • Tax-deductible super contributions
      • Spouse contributions
      • Total superannuation balance
      • Contributions tax
      • Excess contributions
    • Super fund performance
      • Super fund performance: A Super Guide
      • Superannuation investment for beginners
        • How super investing works
        • Benchmarking your super fund
        • What is your risk profile?
        • Choosing an investment option
        • Changing investment options
        • Responsible investing
        • Retirement investment options
      • Superannuation investment strategies
        • Choosing an investment option
        • Responsible investing
        • SMSF investment
        • Types of super investments
        • Listed or unlisted investments
        • Franked dividends
        • Investing in retirement
        • Super and borrowing
      • Latest super fund performance
        • Latest monthly results
        • Latest financial year results
        • Latest calendar year results
        • Investment performance Reckoners
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      • Choosing an investment option
        • Should you change?
        • What is your risk profile?
        • Benchmarking your super fund
        • Buy/sell spread costs
        • Responsible investing
        • Changing investment options
        • Retirement investment options
        • SMSF guide to hedging
        • SMSF investment
      • SMSF investment
      • Super fees and charges
        • Types of super fees
        • Super funds with the lowest fees
        • Buy/sell spread costs
        • SMSF costs
        • Super taxes
        • Insurance premiums
        • Consolidating super saves fees
      • Insurance and super
        • Insurance through your super fund
        • Cheapest life insurance and TPD
        • Cheapest income protection
        • SMSFs and insurance
    • Super and tax
      • Super and tax: A Super Guide
      • Super and tax for beginners
      • Australian income tax rates and thresholds
        • Australian income tax rates
        • Low and Middle Income Tax Offset (LMITO)
        • Low Income Tax Offset (LITO)
        • Senior Australians & Pensioners Tax Offset (SAPTO)
        • Super rates and thresholds
        • Super tax rates for under-60s
        • Super tax rates for over-60s
        • Franked dividends (franking credits)
      • Contributions tax
        • How super is taxed
        • Division 293 tax
        • Low Income Superannuation Tax Offset (LISTO)
        • Excess contributions tax
      • Investment income tax (earnings tax)
        • How super is taxed
        • Capital gains tax and super
        • Franked dividends (franking credits)
        • Superannuation contributions tax
      • Retirement phase
        • How super is taxed
        • Transfer balance cap
        • Minimum pension payment rules
        • Superannuation benefit payments tax
        • SMSF pensions
        • Transition-to-retirement pensions
      • Superannuation benefit payments tax
      • Superannuation death benefits
    • SMSFs
      • SMSFs: A Super Guide
      • SMSFs for beginners
        • What is an SMSF?
        • Types of super funds
        • Is an SMSF right for you?
        • Enough super for an SMSF?
        • What type of people have SMSFs?
        • Setting up an SMSF
        • SMSF trustee declaration
        • Quiz: SMSFs for beginners
      • SMSF costs
        • What are typical SMSF fees?
        • Enough super for SMSF costs?
        • DIY (low-cost) SMSFs
        • SMSF ATO supervisory levy
        • SMSF audit fees
        • SMSF investment
        • Obtaining financial advice
        • SMSF penalties
      • SMSF administration and compliance
        • SMSF administration
        • SMSF compliance
        • DIY (low-cost) SMSFs
        • SMSF providers
        • Setting up an SMSF
        • SMSF reporting and record-keeping
        • SMSFs and accountants
        • SMSF audits
        • SMSF administrative penalties
      • SMSF investment
        • Creating an SMSF investment strategy (including samples)
        • SMSF asset allocation
        • Super investment strategies
        • Types of super investments
        • Asset Sector Performance Reckoner
        • SMSF investment rules
        • Franked dividends
        • SMSF borrowing rules
      • SMSF pensions
        • Retirement phase (formerly pension phase)
        • Types of super benefits
        • Starting an SMSF pension
        • Minimum super pension payments
        • Transition-to-retirement pensions
        • $1.6 million transfer balance cap
        • Actuarial certificates
      • SMSF borrowing
      • SMSF Q & As
    • Planning for retirement
      • Planning for retirement: A Super Guide
      • Retirement planning for beginners
        • How to plan for your retirement
        • When should you retire?
        • How long will you live?
        • How much super will you need?
        • What is retirement phase?
        • Is $1 million enough?
        • Retirement Calculators and Reckoners
      • What age can I retire?
      • Age-based Super Guide
      • How long will I live?
      • How much super is enough?
        • How much super do I need to retire?
        • Retiring on $60,000 a year
        • Retiring on $80,000 a year
        • Retiring on $100,000 a year
        • $1 million retirement
        • $1.6 million retirement
        • Retirement Calculators and Reckoners
      • $1.6 million transfer balance cap
      • Types of super benefits
        • Taking a lump sum
        • Taking a super pension
        • SMSF pensions
        • Superannuation benefit payments tax
      • Age Pension
      • Obtaining financial advice
      • Retirement Calculators and Reckoners
        • Age Pension calculator
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        • Income from super Reckoner
        • Super to Income Reckoner
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        • Super fees and returns calculator
    • Accessing super
      • Accessing super: A Super Guide
      • When can I access my super?
      • Definition of retirement
      • Reaching preservation age
      • Turning 65 and super
      • Types of super benefits
        • Taking a super lump sum
        • Taking a super pension
        • SMSF pensions
        • Superannuation benefit payments tax
      • Accessing super early
        • All conditions of release explained
        • Preservation age
        • Severe financial hardship
        • Compassionate grounds
        • Terminal illness
        • Permanent incapacity
        • Claiming insurance from super
        • Death
      • Divorce and super
      • Insurance and super
      • Temporary resident departing Australia
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      • In retirement: A Super Guide
      • Retirement Calculators and Reckoners
        • Income from super Reckoner
        • Super to income Reckoner
        • Retirement age Reckoner
        • Age Pension calculator
        • Annual Minimum Pension Payment Calculator
      • Retirement phase (formerly called Pension phase)
        • How super is taxed
        • Types of super benefits
        • Transfer balance cap
        • Minimum pension payments rules
        • Franked dividends
        • Superannuation benefit payments tax
        • SMSF pensions
        • Transition-to-retirement pensions
      • Obtaining financial advice
      • Taking a super lump sum
      • Taking a super pension
        • Retirement phase
        • Types of super pensions
        • SMSF pensions
        • Transfer balance cap
        • Minimum super pension payments
        • Transition-to-retirement pensions
        • Defined benefit funds
        • Annuities
      • Age Pension rules
        • Latest Age Pension rates
        • Am I eligible for the Age Pension?
        • Age Pension age
        • How is the Age Pension assessed?
        • How do I apply for the Age Pension?
        • Age Pension assets test
        • Age Pension income test
        • Age Pension deeming rules
      • Commonwealth Seniors Health Card
      • Working in retirement
        • Turning 65 and super
        • Over-65s work test
        • Transition-to-retirement pensions
        • Age-based Super Guide
        • Age pension age
      • Life expectancy and super
      • Aged care
      • Estate planning
      • Superannuation death benefits
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