Superannuation is designed to fund your retirement — which means the government restricts when you can take it out. The rules depend on your age, your employment status, and your specific circumstances. In some situations, early access is possible before retirement age.
Access Guides
Standard Access
- When Can I Access My Super? — Preservation age table, conditions of release, and what changes at 60, 65, and 67
- Superannuation Preservation Age Explained — What preservation age is, the table by date of birth, and what it means for your withdrawal options
- How to Withdraw Your Super — Complete Guide — All withdrawal scenarios: retirement lump sum, income stream, partial withdrawals, and tax
- How to Claim Your Super When You Retire — Step-by-step: contact your fund, choose lump sum or pension, tax implications
- Withdrawing Super at 60 — What You Need to Know — Tax-free access after 60, retirement condition of release, and transition to retirement
- Lump Sum Superannuation Withdrawal — When and How — How lump sum withdrawals work, tax on taxable and tax-free components, and strategy considerations
Early Access
- Transition to Retirement Pension (TTRP) — Full Guide — How TTR works, who can use it, tax treatment, and the rules that changed in 2017
- Terminal Medical Condition — Early Super Access Explained — Specific condition of release, two medical certificate requirement, and tax treatment
- Severe Financial Hardship — Early Super Access Criteria — ATO criteria, 26-week income support requirement, maximum withdrawal amount
For advice tailored to your situation, speak with a licensed financial adviser. You can find one through the ASIC financial advisers register or MoneySmart.