resetting your TTR strategy

Is your Transition to Retirement (TTR) strategy still working as hard as it could? Check in to make sure it still suits your circumstances.


How a TTR reboot strategy can help

Your income

Take a portion of your before-tax income and put it into your super. You’ll generally pay 15% tax on this amount instead of your normal income tax rate, being mindful of the contribution rules and limits.

Your super

Take some of your super to top up your income. Payments from super are generally taxed less than your income, and completely tax-free once over 60.




You can choose


Continue to work full-time

Boost your super and take advantage of a lower tax rate

Reduce your working hours

Supplement your income from your super



What's involved?

To reset or 'reboot' your TTR strategy, we ‘roll back’ the balance of your TTR into your super account, then re-establish a new TTR with the increased super balance.


What are the advantages?

The government imposes minimum and maximum drawdown limits based on a percentage of the balance of your TTR Income Stream account. By rebooting, you can potentially access a higher income from the income stream and contribute more into super.

There is no limit on how much you can invest in a TTR account. However, if your total super balance is more than $1.6 million you will not be able to make any further after-tax contributions to super (ie from your take-home pay or savings).


Did you start an income stream before 1 January 2015?

If so, Centrelink captures these accounts under the old income test deeming rules. If any changes are made to the account, this can impact how it is assessed. It's important to speak to Centrelink or seek advice before making any changes to an income stream set up before this date.


Want to test out some scenarios?

Try our Transition to Retirement Calculator to see what your strategy could look like.

Are you planning to stop work before turning 65?

A TTR is taxed up to 15% on the investment earnings. If you are between preservation age and 65, make sure to let us know you've retired or ceased an employment arrangement after age 60. This is so we can convert your TTR to a HESTA Retirement Income Stream, where the investment earnings are tax free and there's no limit on how much you can withdraw.

To let us know you have retired, simply complete this form.

For more details, read the TTR Significant Event Notice.



Ready to reboot?

TTR strategies can be complicated. We suggest you seek advice specific to your individual circumstances before changing your TTR strategy.