When and how can I access my super?

Whether finishing work is around the corner or a few years off, now is a great time to check how your super is going and if you need any help planning for your retirement. It’s never too early to start or too late to make a difference, and we’re here to help you each step of the way.

You can access your super from age 60. The table below shows the different options for accessing your super, depending on your age and employment status. The good news is you can keep your savings in the super environment right through retirement, where it can continue to earn investment returns and enjoy tax advantages.

Options to access your super

Aged 60-64 and still working	Aged 60 and fully retired or Aged 65 whether working or not
Open a First Super Transition to Retirement (TTR) account	Transfer your super to a First Super Retirement Income account	Transfer your super to a bank account
Boost your super and save on tax or Reduce your working hours.	Receive regular tax-free income payments. You choose how much and how often you get paid. Enjoy tax-free investment returns. Option to make lump sum withdrawals. Your money continues to be invested and enjoy our strong long-term investment returns1.	Easy cash access. Lose tax-free investment returns. Little or no investment earnings.
> Transition to Retirement	> Retirement Income Account	> Investing in Retirement

Get expert advice with a Retirement Health Check

Our Retirement Health Check is a 30 minute online appointment, designed to kickstart your retirement planning. Meet with one of our Financial Advisers², at no additional cost, and find out:

• how much super do I need for retirement?
• how much super will I have when I retire?
• what sort of lifestyle can I afford?
• will I be eligible for the Age Pension?

A Retirement Health Check can help all members, no matter how much you have in your super account. Your partner can join the meeting too, even if their super is elsewhere.

Retirement projection calculator

If you prefer more of a DIY approach, check out our Retirement Projection calculator.
It’s easy to use and will show you how long your super will last and how much income the Age Pension can give you too.

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More resources to explore

We’re here to help. So let’s talk.

Retirement planning can be complex, but you don’t need to go it alone. We’re here to help each step of the way. If you have questions, please call our Member Services Team on 1300 360 988, email us or use the Live Chat.

¹ Past performance is not a reliable indicator of future performance.
² First Super Financial Advisers are authorised representatives of Industry Fund Services Limited (ABN 54 007 016 195, AFSL 232514) and can provide personal advice tailored to your objectives, financial situation and needs.

Issued by First Super Pty Ltd (ABN 42 053 498 472, AFSL 223988), as Trustee of First Super (ABN 56 286 625 181). This page contains general advice which has been prepared without taking into account your objectives, financial situation or needs. You should consider whether the advice is appropriate for you and read the Product Disclosure Statement (PDS) before making any investment decisions. To obtain a copy of the PDS or Target Market Determination please contact First Super on 1300 360 988 or visit our PDS & Publications page.