A focus on long-term performance
Money magazine’s Best Retirement Innovator 20232
Enjoy regular payments from super while still working
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
If you want to reduce your work hours without reducing your income, you can receive regular payments from your super.
Because you're still working and your super stays invested, your super has the chance to keep growing.
Income payments are generally tax-free if you're 60 or over. Find out more about using a TTR strategy.
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.
10-year annual return - Balanced option2
As at 30 June 2023
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
See how using a transition to retirement strategy could help you make the most of your super.
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.
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.
To open a TTR account, you'll need to meet the following conditions:
There are a lot of great reasons to choose QSuper for your transition to retirement.
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.
Choose how much and when you want to be paid, and easily manage your account anytime online. Download our app
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Have us call you back to talk through your options for making the most of your super.
Professional advice can help you decide whether you'd benefit from our TTR account.
Join other members in your position to learn how to make the most of your super.
Find out why thousands of members feel confident about transitioning to retirement with QSuper products. Not yet a member?
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.
2. The Australian Retirement Trust QSuper Balanced option (Accumulation account) has kept the same key features and investment strategy post-merger. Past performance is not a reliable indicator of future performance. Returns shown are based on disclosed unit prices and are compound annualised return, net of fees and tax. See unit prices for more information. See how the QSuper investment options have performed.