What's a TTR account?

Our Transition to Retirement (TTR) account gives you regular payments from your super while you're still working. This gives you the flexibility to reduce your work hours and top up your income with super.

Open a TTR income account today.

Log in to Member Online

Benefits of opening a TTR account

Reduce your work hours

Reduce how much you work while getting the same income by topping up your income with your super.

Grow your super

Your super stays invested and has the chance to keep growing.

Potential tax benefits

Income payments are generally tax-free if you're 60 or over.

Award-winning retirement

As a member of an award-winning super fund, you can be confident that your super's in good hands.1

qsuper awards

Why transition to retirement with QSuper?

Your QSuper account is managed by Australian Retirement Trust (ART). That means you're with one of the biggest super funds in Australia!

Focused on long-term returns

We automatically invest your TTR Income account balance in the Balanced Risk-Adjusted investment option.

Award-winning customer service

Our dedicated and friendly team is rated #1 for customer satisfaction, according to Finder.1

Profit for members

With over a century of experience,2 we're always working hard for our 2.4 million members.

FAQs about transitioning to retirement

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

  • Be between age 60 and 64
  • Not yet retired
  • At least $30,000 available for your TTR account (plus keep $10,000 in your Accumulation account), so at least $40,000 in total in your super
  • QSuper account holder (find out who can be a member).

You can get 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.

The current preservation age is 60. If you're between age 60 and 64, you may be eligible to open a TTR account.

No, but you could be eligible for a retirement bonus if you open a Retirement Income account or Lifetime Pension.

You can transfer part or all of your Defined Benefit to our TTR Income account if you're still working and have reached your preservation age. Defined Benefit accounts work differently to other QSuper products, so consider getting advice to learn about your options before making a decision.

No, insurance isn't available with our TTR account. If you have insurance and want to keep it, make sure you keep enough money in your Accumulation account to pay the premiums.

When you turn 65, your TTR account will be automatically converted into a Retirement Income account.

Find out more about how transition to retirement strategies work, or call 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.

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.

Enjoy working less, with a QSuper TTR account

Find out why thousands of members feel confident about transitioning to retirement with QSuper products.

Open account Not yet a member?

1. Awards and ratings are only one factor for you to think about when deciding to invest. Past performance is not a reliable indicator of future performance.

2. Australian Retirement Trust was formed through the merger of QSuper and Sunsuper on 28 February 2022.