When can I retire?
The short answer is whenever you like, but the more important consideration is when you can access your super.
Fund rules differ
Select your fund to view the details
- CSS
- DFRDB
- MilitarySuper
- PSS
Legally Australians can retire at any age. You may decide to first reduce your working hours or simply stop working altogether. However, what’s critical to know is when you can access your super in order to be able to support yourself and your family during retirement.
When can I access my super?
You can access your super from the moment you retire.
For more information on withdrawing your super and what options are available to you, we recommend:
Deciding to Retire
Why do people retire?
Deciding when to retire is a personal decision, but there are five common factors that generally influence the retirement decision for most people. It’s good to keep these on your radar, as they can often trigger a decision to retire earlier than expected.
Health
You may have a health scare or issue that means you can no longer do your job. You may also decide to retire to care for a loved one.
Work
The demands of work can become more tiring as you get older, or you may be unable to find work as a result of redundancy or the end of a work contract.
Friends and family
Retirement may be appealing if your friends or family are enjoying retirement.
Financial independence
You may reach pension age, receive a financial windfall, or find that you have more financial resources after children leave home.
The right time
It may simply feel like ‘the right time’.
