You can access your super:
- when you turn 65 (even if you haven’t retired), or
- when you reach preservation age and retire, or
- under the transition to retirement rules, while continuing to work.
There are very limited circumstances where you can access your super savings early. These circumstances are mainly related to specific medical conditions or severe financial hardship.
Your preservation age is not the same as your pension age. Your preservation age is the age at which you can access your super if you are retired (or have started a transition to a retirement income stream).
Your preservation age depends on when you were born. You can use this table to work out your preservation age.
|Date of birth||Preservation age|
|Before 1 July 1960||55|
|1 July 1960 – 30 June 1961||56|
|1 July 1961 – 30 June 1962||57|
|1 July 1962 – 30 June 1963||58|
|1 July 1963 – 30 June 1964||59|
|From 1 July 1964||60|
For more information, please visit https://www.ato.gov.au/Individuals/Super/Accessing-your-super/