Multiple funds the answer to taking pension while working

Workers seeking to take the pension before retirement need to restructure their SMSF.

It’s an area many SMSF trustees don’t understand well – even those who might have been operating SMSFs for a long time. Trustees understand that their SMSF is there to eventually pay a pension. Therefore, at some stage, it must convert from being an accumulation fund to a pension fund. But what happens if they’re still working? Can you still make contributions?

Yes, you can.


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