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Picture Book · Account-based pension vs TTR

Two pensions, one super

Story pages

A couple in their sixties sitting on the verandah of a Queenslander with cups of tea
Meet Helen and Sam. Helen is 66 and retired. Sam is 61 and still works part time.
Two gravel paths splitting through a leafy park
Both can turn some of their super into a regular income, but in different ways.
A woman in her mid sixties with silver hair reading in a canvas chair on a grassy rise above the sea
Helen has an account-based pension: regular payments from her super now that she's retired.
A man in his early sixties with a short beard walking along a tree-lined street carrying a satchel
Sam has a transition to retirement (TTR) pension: a limited income from super while he keeps working.
Two different watering cans side by side on a timber garden bench
The two follow different rules on how much can come out and how their earnings are taxed.
A couple in their sixties walking together along a beach path at sunset
This series walks through both, one step at a time.

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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