Transition to retirement (TTR)

Transition to retirement (TTR)

Start using your super with a transition to retirement strategy.

A transition to retirement strategy gives you choices when it comes to gaining access to your super. It lets you open a CareSuper Pension account and start drawing on some of your super while you’re still working and building your savings.


  • Can be used to top up take-home pay with super while you continue to work
  • Potential to build wealth because of the different ways income, super and pension are taxed
  • Pay no tax on your income payments once you reach age 60

Who can invest

You’ll need to be:

You can keep your CareSuper super account running alongside your pension account.

Investment limits

You can open a pension account with a minimum of $10,000. There’s no limit to how much you can put in, but once you’ve opened an account you can’t top it up. If you want to add more to your account, let us know and we’ll help you set up a new one.

Flexible payments

You can choose to be paid twice monthly, monthly, quarterly, half-yearly or yearly. The money goes straight into your bank account and you can change the frequency any time you like.

Your payments must total between 4% and 10% of your total account balance each year – these are set government limits.

Move seamlessly to a full pension 

When you reach 65 you’ll automatically move from a transition to retirement strategy to a full CareSuper Pension. You can make the move to full pension before then if you completely stop work or change employers at or after 60. Once you’re in the full pension you stop paying 15% tax on investment earnings – they become tax free.

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