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When can I access my super?

The government puts age and other restrictions on when you can access your super, to help ensure that you use your super savings for retirement purposes. Generally you can access your super:

  • When you turn 65 (regardless of whether you keep working or not)
  • When you reach your preservation age and permanently retire (refer to the table below)
  • When you reach your preservation age and start a transition to retirement income stream
  • If you become permanently disabled or terminally ill
  • In some special circumstances including compassionate grounds and severe financial hardship. You can find out more at the Australian Taxation Office website.

 

Preservation age

Accessibility depends on your age – those born before 1 July 1960 can access their super when they are 55, whereas if you were born after 30 June 1964, you have to be 60.

How old do you have to be before you can access your super?

Your birthday

Preservation age

Before 1/7/1960 55
1/7/1960 - 30/6/1961
56
1/7/1961- 30/6/1962
57
1/7/1962- 30/6/1963
58
1/7/1963- 30/6/1964
59
After 30/6/1964 60

You may sometimes be allowed to access your super before your preservation age under special circumstances such as permanent incapacity and severe financial hardship. This is something you would need to discuss with your financial adviser.