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Picture Book · Account-based pension vs TTR

Starting a TTR

Story pages

A woman aged sixty with short curly hair in a cardigan tending potted plants on a back deck
Meet Lorraine. She's 60 and works as a nurse.
A simple round cake on a kitchen table with a single lit candle
You can start a TTR once you reach preservation age, which is 60 for anyone born from 1 July 1964, while you're still working.
A large jug pouring water into a smaller jug on a timber bench
Lorraine moves part of her super into a TTR account.
A rainwater tank collecting water from a downpipe beside a cottage
She keeps some super in her ordinary account, so her employer's contributions keep going in.
An umbrella hanging on a hook beside a front door
If she has insurance through super, she checks there's enough left to keep paying the premiums.
A woman aged sixty with short curly hair talking on the phone at a kitchen table
A TTR can affect government benefits, so she checks with Services Australia's Financial Information Service first.

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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