If you’ve reached your preservation age (under government rules) but are not ready to retire, you may want to consider a transition to retirement pension (TRP) strategy. There are two main options designed to grow your savings and give you more flexibility.

Increase super savings

Continue working and boost your super with a TRP strategy. This can benefit you in two ways if you are 60 or over: increasing your tax savings and allowing you to contribute more to your super.

  1. Make extra pre-tax super contributions to reduce your take-home salary
  2. Take out a TRP income stream (tax free if 60 or over) to make up your lost salary
  3. Benefit from tax savings
  4. Grow your super

Reduce working hours

Work fewer hours (or take a lower paid job) and stay on the same income as before with a TRP strategy.

  1. Reduce your work hours and your take-home salary
  2. Take out a TRP income stream to make up your lost salary
  3. Enjoy working less for the same income
  4. Continue growing your super as you keep working

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Start your TRP strategy

The Income Stream booklet shown under ‘Forms and Publications/Retirement and Income Streams’ has more details on ElectricSuper’s TRP product. Or call us to talk through your TRP options to make sure that you make the best decision for you and your super.

Contact us for further information.

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