Transition to retirement pension
Start using your super with a transition to retirement pension
A transition to retirement (TTR) pension gives you choices when it comes to gaining access to your super. It lets you open a CareSuper Pension account so you can start drawing on some of your super, while you’re still working and boosting your super savings ahead of retirement.
Let’s see what a transition to retirement pension is all about.
What is a CareSuper transition to retirement pension?
If you’ve reached your preservation age and are still working part-time (at least 10 hours per week) or full-time, you can access your super and start a TTR account.
![ttr flow diagram](https://www.caresuper.com.au/sites/default/files/styles/content_full_2x/public/2023-11/ttr_infog-1650w.png?itok=fZPXrlxa)
What are the benefits?
Enjoy:
- Supplemented income – top up your take-home pay with super, as you slowly wind-down your workdays or hours
- Tax savings – there’s no tax on your income payments once you reach age 60 and you can lower the income tax you pay by continuing to top up your super
- Investment earnings – your super will continue to earn you interest (taxed at up to 15%), helping to boost your account balance.
Who can open a CareSuper TTR pension?
Anyone who's:
- Reached their preservation age
- Under age 65, and
- Still working.
Let's plan together
If you're planning for a life after work, seeking financial advice through your super is a great option. We offer 3 different types of advice, based on your individual circumstances. Book a call-back.
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We're here to help
If you have a super, retirement or pension-related question, call 1300 360 149, 8am-8pm (AET) weekdays, or get in touch online.