Picture Book · Account-based pension vs TTR
Account-based pension vs TTR, in pictures
Retiring fully or easing in: two very different pensions. Pick a story and flip through it.
Two pensions, one super
Retiring fully or easing in: how the two income streams differ.
6 pictures · about 1 minute
Starting a TTR
Who can start one, and what to keep behind.
6 pictures · about 1 minute
The 10% ceiling
A TTR has a floor and a ceiling on what you can take.
6 pictures · about 1 minute
Where tax applies
Tax inside the fund and tax on payments are two different things.
6 pictures · about 1 minute
Easing back
Using a TTR to work fewer days.
6 pictures · about 1 minute
Sacrifice and top up
Working full time, salary sacrificing, and topping up with a TTR.
6 pictures · about 1 minute
Turning 65
What changes when a TTR reaches the retirement phase.
6 pictures · about 1 minute
The yearly minimum
An account-based pension has a floor but no ceiling.
6 pictures · about 1 minute
The lifetime cap
How much super can move into the retirement phase.
6 pictures · about 1 minute
Very large balances
The Division 296 tax on super balances above $3 million, law from 1 July 2026.
6 pictures · about 1 minute
Want this for your situation?
The stories explain the idea. One of our advisers can help you work out what applies to you.
Book an appointment with one of our advisersor call 07 3262 6585
Also helpful: Age Pension what-if planner · Cost-of-living help for homeowners · Insights articles
General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.