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What is a condition of release?

To access your superannuation, you must meet one of the following conditions of release:

  • Reaching retirement preservation age (see below table)
  • Reaching age 65
  • Reaching age 60 and leaving gainful employment
  • Having permanent incapacity
  • Having temporary incapacity
  • Having a terminal medical condition
  • Death
  • Being in severe financial hardship
  • For specific compassionate grounds
  • Attaining preservation age, where benefits are paid under a Transition to Retirement (TTR) Income Stream
  • Where a lost member is found, and the value of the benefit is less than $200 when released
  • If you were an Australian resident and are now on permanent departure to New Zealand with a nominated Kiwi Saver scheme

Further details and definitions of the above conditions of release can be found here on the Australian Taxation Office’s (ATO) website

Preservation age table

Date of birth

Preservation age

Before 1 July 1960 55
1 July 1960 to 30 June 1961 56
1 July 1961 to 30 June 1962 57
1 July 1962 to 30 June 1963 58
1 July 1963 to 30 June 1964 59
On or after 1 July 1964 60

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