How you withdraw your super will depend on your age and employment status. Compare the different payment conditions or tax implications to know the right option for your situation.
Fund rules differ
Select your fund to view the details
- CSS
- DFRDB
- MilitarySuper
- PSS
Options for claiming your CSS benefit
As a contributing member:
-
Age 55
Lifetime pension
Lump sum withdrawal
Available, restricted to your SIS upper limit and subject to cashing restrictions.Preserve benefit
Postpone option if not retiring. -
Age 60
Lifetime pension
Lump sum withdrawal
Available, restricted to your SIS upper limit and subject to cashing restrictions.Preserve benefit
Postpone option if not retiring. -
Age 60–64
Lifetime pension
Lump sum withdrawal
Preserve benefit
Postpone option if not retiring. -
Age 65+
Lifetime pension
Lump sum withdrawal
Preserve benefit
Options for claiming your CSS benefit
As a preserved member:
A preserved member has ceased eligible employment and left their super balance preserved in the fund for payment at a later date.
-
Age 55
Lifetime pension
Lump sum withdrawal
Available, restricted to your SIS upper limit. -
Age 60
Lifetime pension
Lump sum withdrawal
Available, restricted to your SIS upper limit and subject to cashing restrictions. -
Age 60–64
Lifetime pension
Lump sum withdrawal
-
Age 65+
Lifetime pension
Lump sum withdrawal
Preservation ages
Date of birth | Preservation age |
---|---|
Before 1 July 1960 | 55 years |
1 July 1960 to 30 June 1961 | 56 years |
1 July 1961 to 30 June 1962 | 57 years |
1 July 1962 to 30 June 1963 | 58 years |
1 July 1963 to 30 June 1964 | 59 years |
After 30 June 1964 | 60 years |
Financial planning
You may also want to talk with a Financial Planner to learn more about the options available to you.
Get adviceGet an estimate
Understand the benefits available to you when you leave work.