With our Transition to Retirement (TTR) Income account, you can receive payments from your super while you're still working. Our focus on strong long-term returns and our commitment to lower 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 strong long-term returns

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

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

10-year annual return - Balanced option2

7.79% p.a.

As at 30 June 2022


When QSuper wins, our members win

Our Income account has won a number of awards, Money magazine's Best Innovation – Retirement Innovator 2023. It's also regularly given the highest ratings by Chant West and SuperRatings.3


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 member (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. Our Income account is Australia's most awarded retirement account in super, based on those who've received Pension Fund awards from SuperRatings, Chant West, Conexus Financial and Money magazine between 2015 and 2023. These awards are solely statements of opinion and do not represent a recommendation to purchase, hold, or sell any securities, or make any other investment decisions. Ratings are subject to change. Ratings, awards, or investment returns are only one factor that you should consider when deciding how to invest your super. Past performance may not be a reliable indicator of future performance. View our awards for more information. These awards were received before QSuper became part of Australian Retirement Trust on 28 February 2022. The QSuper products that received these awards have kept the same key features post-merger.

2. Past performance may not be a reliable indicator of future performance. The QSuper Transition to Retirement account, Balanced option only. The return is an compound annualised return reflected after fees and costs, and tax. Disclosed/reported investment returns reflect the returns of the investment option and not individual members, as they do not take into account the timing of contributions, investment switches, or withdrawals. 

3. Money magazine awards are solely a statement of opinion and do not represent a recommendation to purchase, hold, or sell this product, or make any other investment decisions. Ratings are subject to change. Ratings are only one factor to be taken into account when deciding to invest. Past performance is not a reliable indicator of future performance. Go to moneymag.com.au for details of its ratings criteria.

Chant West rating: © Zenith CW Pty Ltd ABN 20 639 121 403 (Chant West), Authorised Representative of Zenith Investment Partners Pty Ltd ABN 27 103 132 672, AFSL 226872/AFS Rep No. 1280401. Chant West Awards issued 2022 and determined using proprietary methodologies based on data from third parties and subject to copyright. Chant West does not accept any liability arising from use of its awards. Awards are solely statements of opinion and do not represent recommendations to purchase, hold or sell product(s) or make any other investment decisions. To the extent the awards constitute advice, it is general advice only without taking into consideration the objectives, financial situation or needs, including target markets of financial products. You should consider your personal circumstances, read the PDS or offer document and seek independent financial advice before making investment decisions. Past performance is not an indication of future performance. Awards are current for 12 months from the date awarded and subject to change at any time. Go to www.chantwest.com.au for full information on Chant West's research methodology, processes, ratings definitions and Financial Services Guide.

Based on the Balanced investment option. SuperRatings Fundamentals report as at 2023. The rating is issued by SuperRatings Pty Ltd ABN 95 100 192 283 AFSL 311880 (SuperRatings). Ratings are general advice only and have been prepared without taking account of your objectives, financial situation or needs. Consider your personal circumstances, read the product disclosure statement and seek independent financial advice before investing. The rating is not a recommendation to purchase, sell or hold any product. Past performance information is not indicative of future performance. Ratings are subject to change without notice and SuperRatings assumes no obligation to update. SuperRatings uses objective criteria and receives a fee for publishing awards. Visit superratings.com.au for ratings information and to access the full report. © 2023 SuperRatings. All rights reserved.