TTR: The secret to not having to work longer

You don’t have to work into your seventies. Just be smarter with your super. Have a transition-to-retirement pension in your sights.

Summary: Transition-to-retirement pensions allow you to draw on your super while you are still working. They also allow you to keep contributing to super as you draw a pension, which for most people will increase cashflow and/or your super balance. Another advantage is that when you move assets from accumulation to pension, the assets backing that pension become tax-free.

Key take-out: For those over 60 and still working, it’s highly likely you are paying more tax than necessary if you’re not on a TTR pension.

Key beneficiaries: SMSF trustees and superannuation accountholders. Category: Superannuation.




{{ twilioFailed ? 'SMS Code Failed to Send…' : 'An SMS verification code has been sent ...' }}

Hi {{ user.FirstName }}

Looks like you have already taken a free trial

Please enter your payment details

We have sent you a code via SMS to {{user.DayPhone}}

please enter this code below to complete your SMS verification

We cannot send you a code via SMS to {{user.DayPhone}}

If you didn't receive SMS code please

SMS code cannot be sent due to: {{ twilioStatus }}

Please select one of the options below:

Looks you are already a member. Please enter your password to proceed

Please untick this box when using a public or shared device

Verify your mobile number to proceed...

Please check your mobile number below and press the Send Verification Code button. This will be used to complete your verification in the next step.

Please sign up for full access


Updating information

Please wait ...


{{ productPrice }} / day
( GST included )
Price $0
GST $0
Discount -{{productDiscount}}
TOTAL {{productPrice}}
  • Mastercard
  • Visa

Please click on the ACTIVATE button to finalise your membership


The email address you entered is registered with InvestSMART.

Please login or select "Don't know password"

Please untick this box when using a public or shared device

Register as a new member

(using a different email)

Related Articles