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When can you access your super?

Superannuation is designed to help you save for your retirement, so there are rules around when you can access it. Once you've turned 65, or reached your preservation age and retired, you have options for how you can access your super. Withdrawing your super earlier may be possible, but only under special circumstances.

When are benefits paid?

Generally, you'll be able to withdraw from your super when you've:

  • reached your preservation age, stopped an employment arrangement and retired permanently from work, or
  • reached the age of 60 and stopped an employment arrangement either on or after turning 60 years, or
  • reached the age of 65.

Your super benefits may be paid to your beneficiary(s) in the event of your death.

In certain situations, you may able to access your super before retirement.

Preservation age

Preservation age is the Government-specified age at which you can gain access to your superannuation benefits, provided you have permanently retired from the workforce.

Under current law, preservation age varies according to your date of birth.

When were you born?
Preservation age
Before 1 July 1960
1 July 1960 - 30 June 1961
1 July 1961 - 30 June 1962
1 July 1962 - 30 June 1963
1 July 1963 - 30 June 1964
After 30 June 1964