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Your preserved benefits are, by design, locked away until certain events occur. The law calls these events conditions of release. Reaching your preservation age is a gateway, but it is not a condition of release on its own ATO conditions of release. As the …

A TTR income stream is an account-based pension you can start once you reach preservation age but before you have fully retired or turned 65. Its defining feature is that it is “non-commutable”: because you have not yet met a full condition of release, …

Before 65, accessing preserved super generally requires retirement or ceasing an employment arrangement. At 65, those requirements fall away. The ATO is explicit that from 65 you can access your super regardless of employment status ATO, and theSuperannuationrules treat reaching 65 as a condition …

The reform that took effect on 10 August 2026 restricts new borrowing for residentialInvestmentproperty, but it does not disturb existing arrangements. Current guidance treats refinancing a pre-10 August 2026 residential LRBA as a continuation of the existing arrangement rather than a new one, so …

Superannuation law changes frequently, and a deed drafted years ago may not accommodate current rules. Major reforms, such as changes to pension types, contribution rules, death benefit arrangements or borrowing, can leave an older deed out of step. When significant legislative change occurs, it …

It helps to see this as a gradual transition rather than a single flip on retirement day. In the years approaching retirement, a fund can begin repositioning, buildingLiquidityand moderating risk, well before it starts paying a pension. Treating it as an overnight switch tends …

The election must be made by the due date of the fund's 2026–27 return. That is the hard deadline: the point by which an eligible fund that wants to make the election has to have made it. Because it is a one-off transitional choice …