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Transition to Retirement Pension

You don’t have to wait until you retire to access your super

If you’re aged 56 to 64 and still working – even casually – you may be eligible for a NESS Transition to Retirement Pension (TRP). NESS TRPs offer many benefits, including low fees.

A NESS TRP allows you to access part of your super before you retire. This might benefit you if you want to:

  • work fewer hours while topping up your income using pension payments, or
  • work the same hours but use tax savings to boost your super. (Some people find it tax-effective to make withdrawals from a TRP account while continuing to accumulate super in your NESS Super account).

From 1 July 2017, investment earnings in TRPs will be taxed up to 15%.

There are a few things to consider before investing in a NESS TRP, but the premise is simple – you invest some or all of your accumulated super in a pension account and withdraw regular payments (as well as lump sums) for as long as there is super in the account.

The key things to know about the NESS TRP are:

  • You are eligible if you are aged between your preservation age and 64 and are still working in some capacity.
  • You need to have at least $20,000 in unrestricted non-preserved super in a NESS Super account before you can open a TRP.
  • You must choose an investment option for your TRP.
  • You must choose the frequency and size of your pension payments, within limits.
  • When you have withdrawn all the money from your account, your pension ceases.
  • If you are 60 or over, payments and lump-sum withdrawals are tax-free. If you are under age 60, your pension payments may be partly taxed but with a 15% tax offset.
  • Your account converts to a standard NESS Super Account Based Pension once you retire or turn 65.
  • If you die while there is still super in your account, your Pension account balance is paid to your beneficiary.

Find out more in the NESS Pension Product Disclosure Statement (PDS).