Withdrawing your super

As super is a long term investment designed to be accessed when you retire, the Government has placed restrictions on when you can access your super. You can access your super when you meet your preservation age and retire; or meet another condition of release.

Meeting your preservation age

Preservation is a restriction the Government has put in place to make sure everyone saves for their retirement. If you have reached your preservation age and have permanently retired from the workforce and never intend to be gainfully employed for 10 or more hours per week, you can access your super.

Your preservation age depends on when you were born:

Date of birth

Preservation age

After 30 June 1964


1 July 1963 to 30 June 1964


1 July 1962 to 30 June 1963


1 July 1961 to 30 June 1962


1 July 1960 to 30 June 1961


Before 1 July 1960 





Other conditions of release

In addition to reaching your preservation age and retiring, there are other conditions which will allow you to access some or all of your super. You meet a condition of release if you:

  • Attain 65 years old (even if you haven't retired;
  • Die;
  • Become permanently disabled;
  • Meet the legal requirements for severe financial hardship;
  • Meet the compassionate grounds requirement as assessed by the Australian Taxation Office;
  • Leave employment and your super has a restricted non-preserved component;
  • Leave your employment and your preserved benefit is less than $200;
  • Are a temporary resident holding an eligible class of visa and have permanently left Australia;
  • Suffer from a terminal medical condition; or
  • You have an unrestricted/unpreserved amount.
How to withdraw your super

If you have met a condition of release, your super may be paid as either an income stream or lump sum amount.


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