Phone 1800 444 396
Web brightersuper.com.au
Email info@brightersuper.com.au
Post GPO Box 264, Brisbane QLD 4001


Transition to Retirement Pension account

A Transition to Retirement (TTR) Pension account lets you receive income from your super while you’re still working (as long as you’ve reached your preservation age) and offers a number of advantages.

This account works in much the same way as our Pension account but you are unable to make lump sum withdrawals and there are limits on how much you can take out each year.


You have a choice of how you want to manage your investment and pension payment options:

  1. Choose our Retire Easy Pension (for TTR Pension accounts), with pre-selected investment and pension payment options that automatically update over time – find out more about Retire Easy Pension.
  2. Or you may prefer to have more flexibility and choose your own investment and payment options and manage this yourself – continue reading this page to find out more.

How to open a TTR Pension account

Before starting a TTR Pension account, we recommend you read the Brighter Super Pension Product Disclosure Statement (PDS) and contact us to speak to our friendly and knowledgeable staff, as they can help you understand your options. 

If you decide a TTR Pension account is right for you, simply complete the Brighter Super Pension application form and return it to Brighter Super.

Can I open a TTR Pension account?

To open a TTR Pension account you need:

  • a starting balance of at least $20,000
  • to have reached your preservation age (which is between 55 and 60 depending on when you were born)

Once you turn 65 your Transition to Retirement Pension account will automatically be converted to a Pension account. This is because there are no limits on how much you can withdraw from your super after this age.

Let's Learn

A transition to retirement (TTR) strategy can help ease you into retirement. It lets you access some of your superannuation and keep working. It can be a good way of cutting back on your working hours while you make some lifestyle adjustments.

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Income options to suit you

You can use a Transition to Retirement Pension account to:

  • top up your income as you work less or take a lower paid position leading up to retirement
  • continue working full-time and receive money from your super as additional income
  • potentially reduce your tax bill and boost your super in the lead up to retirement by combining a Transition to Retirement Pension account with making salary sacrificed contributions to your super

Flexible payment options

You decide how often you receive your pension income. Choose from fortnightly, monthly, quarterly, half-yearly or annual payments.

You can also choose how much you receive each payment, within limits of 4 and 10 percent of your superannuation balance each year.

To help keep track of your payments for the financial year, you can refer to our list of pension payment dates.

View the pension payment dates

Keeping fees as low as possible

As a profit-for-members fund, we don’t have any shareholders to pay, and we don’t pay commissions to financial advisers. We work hard to keep our fees as low as possible.

For more information about our fees, read the relevant Product Disclosure Statement (PDS) or refer to Fees and costs.

Investment choice

Brighter Super offers a wide range of investment options so you can make a choice that suits your needs. You can change your investments at no extra cost.

View our investment options

Tax benefits

If you’re aged 60 or over your pension income is tax free. If you’re under 60 your pension income is taxable but a tax offset applies.

For more information, click the button below.

Check Tax On Pensions

You should read the relevant Pension accounts PDS in deciding whether to acquire, or continue to hold, this product.

Get some advice on retirement

Like to learn more about how to make the most of your pension account? Let us know and one of our advisers will be in touch.
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Use our retirement income calculator to get an idea of your future finances.