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Access your super

Superannuation is money saved throughout your working life to provide for your retirement. There are strict laws governing how and when you can access your super, called conditions of release.

It is illegal to access your super without first meeting a condition of release—find out more at the Australian Taxation Office website.

When you retire

Generally, you can gain access to your super once you have retired from the workforce and reached your preservation age. Your preservation age is set out in the following table.

Date of birth Preservation age
Prior to 1 July 1960 55
1 July 1960 to 30 June 1961 56
1 July 1961 to 30 June 1962 57
1 July 1962 to 30 June 1963 58
1 July 1963 to 30 June 1964 59
After 1 July 1964 60

Other ways to access your super early

You may be able to access your super early in limited circumstances:

See the Australian Taxation Office factsheet and our product disclosure statement for more information about accessing your super.