With our Transition to Retirement (TTR) Income account, you can receive payments from your super while you're still working. Our focus on long-term returns and our focus on low fees can help you ease into retirement and continue to save super tax-effectively.

Work less, save more

Our award-winning TTR account1

Turn super into income

If you want to reduce your work hours without reducing your income, you can receive regular payments from your super.

Grow your super

Because you're still working and your super stays invested, your super has the chance to keep growing.

Potential tax benefits

Income payments are generally tax-free if you're 60 or over. Find out more about using a TTR strategy.


Focused on long-term returns

The default investment option for our TTR account, Balanced, aims to deliver long-term returns for our members.

This is driven by our investment approach that aims to provide consistent growth over the long term. You can also choose from our range of other investment options.


When QSuper wins, our members win

Our Income account has won several awards, Money magazine's Best Innovation – Retirement Innovator 2023. It has also regularly received the highest ratings by Chant West and SuperRatings.1


Super and retirement calculator

See how using a transition to retirement strategy could help you make the most of your super.

Retirement Calculator

Super Projection Calculator

Check how much super you're on track to end up with, what sort of income you can expect in retirement, and how long your super might last.

Can I access my super at 60 and still work?

You may be able to take money out of your super before you retire, with a Transition to Retirement account. Find out how it works.

Check your eligibility

To open a TTR account, you'll need to meet the following conditions:

  • Under age 65 but you've reached your access age
  • Still employed
  • At least $30,000 available for your TTR account (plus $10,000 in your Accumulation account)
  • QSuper account holder (find out who can be a member).

There are a lot of great reasons to choose QSuper for your transition to retirement.

FAQs about transitioning to retirement Show all Hide all

You can receive up to 10% of your balance from a TTR account each year in income payments. You can't make lump sum withdrawals from this type of account, like you can with a Retirement Income account.

There are limits to how much money you can tax-effectively add to your super, so make sure you understand the contribution caps.

Insurance isn't available with retirement account types like your TTR account. If you want to keep your insurance, make sure you keep enough money in your Accumulation account to pay the premiums.

When you turn 65, you will be automatically moved to our Retirement Income account. This means you can keep growing your super while receiving an income from your super.

Find out more about how transition to retirement strategies work, or request a call back from us to talk through your options for transitioning to retirement with a QSuper income stream product.

There are also rules regarding withdrawing your payments, including minimum and maximum limits per year. For more information on how a TTR account works, read our Product Disclosure Statement for Income Account and Lifetime Pension (pdf).

TTR strategies can be complicated and aren't suited to everyone. It's a good idea to get advice from a qualified financial adviser to see if a TTR strategy is right for your personal circumstances. Find out more about financial advice options.

You're just a click or a tap away from your super anytime, anywhere

Choose how much and when you want to be paid, and easily manage your account anytime online. Download our app or log in to Member Online.

Learn TTR

Learn how to transition to retirement

Have us call you back to talk through your options for making the most of your super.

Request a call
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Get advice

Professional advice can help you decide whether you'd benefit from our TTR account.

Find out more
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Retirement seminars/webinars

Join other members in your position to learn how to make the most of your super.

Register online

1. Awards and ratings are subject to change and only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance. See our awards page for more details.