I have retired before aged 60yo. When can I access my super?

A :  If you have reached your preservation age and have retired, then you can access your Superannuation benefits.

One’s preservation depends on one’s date of birth (refer table below).  Australians can have a preservation age of 55 years (if born prior to 1 July 1960), or up to 56 years (if born before 1 July 1961), or up to 57 years (if born before 1 July 1962), and potentially up to 60 years (if born on or after 1 July 1964), depending on specific date of birth. (refer table below).

Source : ATO Website


A person who has reached preservation age and retired can access super benefits immediately, subject to completing the paperwork with the relevant super fund. Tax implications may apply.