Because superannuation is designed to help you save for your retirement, you generally have to wait until you have retired to access it.
You are defined as "retired" if:
- You have reached preservation age and are retired permanently from work;
- You have reached the age of 60 and stopped any employment arrangement; or
- You have reached the age of 65 (whether you're still working or not).
Once you are retired, you can choose to have your superannuation benefit paid out as a lump sum, or you can choose to receive a regular income by opening a Sunsuper for life Income account.
Your preservation age depends on what date you were born. The following table outlines various preservation ages, and the dates of birth that match them:
You may also be eligible to get early access to your super under special circumstances.
Did you know?
Super Income accounts
Whether you are still working and want access to your super to supplement your income, or fully retired and want an income during retirement, we have an account for you.
Try it out
Compare our Income account fees
Our Income account fees are among the lowest you'll find we don't charge an entry fee or pay commissions. Get a free report.
The retirement forecaster provides a quick snapshot of your retirement.
Make it happen
Help and advice
Our SunTracker program will help you picture your dream retirement lifestyle, develop a plan for your super and give you the confidence to get on track for the future.
Income account request form
Download the form [PDF 133KB]