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Picture Book · Account-based pension vs TTR

Easing back

Story pages

A carpenter around sixty with a flat cap planing a timber board in a sunny workshop
Meet Tony. He's 60 and a carpenter who wants to work three days a week.
A small garden pond being topped up from a watering can
His pay will drop, so he starts a TTR to top up his income.
Light rain falling on a garden bed of young vegetables
His employer still pays super contributions on what he earns.
An hourglass on a workbench with sand running through it
The trade-off: drawing on super early can leave less for later.
An empty jetty stretching out over calm water on a weekday morning
It gives him time to try out retirement before he stops completely.
A man around sixty with a flat cap fishing from a jetty beside a young boy
Tony spends his new day off fishing with his grandson.

The end

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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.

Information as at 27 October 2026. Sources:

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