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 (TTR) 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 TTR 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 TTR 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 TTR strategy.

  1. Reduce your work hours and your take-home salary
  2. Take out a TTR 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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For help managing your super and your membership.

Start your TTR strategy

Retire when and how you like with a TTR strategy. We can talk you through your TTR options to make sure that you make the best decision for you and your super.

Contact us for further information.

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