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Find out when you can draw on your retirement savings
Superannuation is a compulsory, long-term investment designed to help you prepare financially for retirement. For many Australians, super could be a main source of retirement income, and there are rules around when you can access it to keep your savings for your future.
If you are under 60 years of age, you must have reached your preservation age and be permanently retired to access your super. Your preservation age is a minimum age, set by the Australian Government, that your super must be ‘preserved’ until. The preservation age is between 55 and 60, depending on the year and month you were born.
If you're not ready to retire, you could draw on some of your savings while you’re still working by opening a Transition to Retirement Income account.
If you stop work on or after turning 60, you are able to access the superannuation you have accumulated up until that point. If you decide to return to work, you will need to wait until your employment ends before you can access any of the new contributions.
Once you've turned 65 – or have met the conditions to access your super – there are a number of ways to draw on your retirement savings. You can access your super as:
Learn more about ways to make a withdrawal from your super.
While your super is generally locked away until you are retired, there are some circumstances where you can apply to take it out early. Find out more.
Ease into retirement and enjoy regular payments from your super while you're still working. With flexible payment options, a track record of strong long-term performance2, and simple, transparent fees, see why thousands of members feel confident about transitioning to retirement with us.
Enjoy life after work and turn your super into a regular income with our award-winning Retirement Income account. As you money stays invested, your savings could continue to grow. Find out why thousands of Australians have partnered with QSuper in retirement.
When it comes to making the most of your retirement, getting professional guidance can help.
As a QSuper member, you have access to financial advice from QInvest about retiring with QSuper.3
1. If you hold a Defined Benefit account, there are some important considerations before you access your super when you are still working.
2. Past performance is not a reliable indicator of future performance. QSuper’s Accumulation account, Balanced Option only, ranked fourth over 10 years. The Chant West data is based on information provided by third parties that is believed to be accurate at 30 June 2019. Returns reflected after investment fees and tax. Chant West’s Financial Services Guide is available at chantwest.com.au
3. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is a separate legal entity responsible for the financial services it provides. Eligibility conditions apply. Refer to the Financial Services Guide for more information.