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.
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Super Income accounts
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Income account request form
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