Top up your income or grow your super
Tax savings
Zero tax on your income payments if you’re over 60. Concessional tax on your income payments if you’re under 60.
Set payment frequency and amount1
Ease into retirement or save tax as you grow your super
Depending on your situation and goals, a Transition to retirement income account may help you:
Ease into retirement
- Receive regular payments to top up your income as you reduce your work hours
Continue to grow your super
- Receive regular income payments to replace the salary sacrifice contribution amounts you make into your super account whilst working full time
- Save tax now plus grow your super for retirement due to super's concessional tax treatment
No matter what you use it for, the Transition to retirement income account gives you the flexibility to:
- Set your payment amount and frequency1
- Pay zero tax on payments if you're over age 60 (and concessional tax if you're under 60)
- Stop income payments (subject to having received the annual minimum legislated amount)
- Easily move your account to a Retirement income account when you fully retire

See how a Transition to retirement income account could work for you
At age 58, Lisa used a Transition to retirement income account to ease back on her working hours and retire fully and comfortably at age 65.
Find out more about our Transition to retirement income account
How do I get started?
If any of the above situations sound like you and you’re eligible, you can activate your Transition to retirement income account quickly and easily in Member Online or complete the Income account request form.
Talk to your financial adviser or contact Sunsuper
Outstanding value pension fund offering
Since 2011, we’ve held Canstar’s highest 5-Stars Outstanding Value Account Based Pension rating. We were also a finalist for SuperRatings' Pension of the Year 2021, and our Income accounts have received the highest possible ratings from SuperRatings, Chant West and The Heron Partnership.3
1. Flexibility to set your payment amount and frequency: The Government has set a minimum amount to be withdrawn each year. You must have at least taken your minimum income for the financial year before you can stop your payments and close your account. Members aged 64 or less who open a Transition to retirement income account can withdraw a maximum of 10% each year. You can also close your Income account at any time if your needs change.
2. Stop your income payments and close your account at any time (subject to having already received the minimum legislated income payments).
3. For ratings and awards information, visit sunsuper.com.au/ratingsagencies.