Withdrawing and using your super

When and how you can access your super and whether you need to pay tax on withdrawals.

Super withdrawal options
The conditions of release that must be satisfied for legal superannuation withdrawals.

Retirement withdrawal – lump sum or income stream
The difference between a lump sum withdrawal of super and a retirement income stream, and the tax consequences.

Superannuation death benefits
What you need to know about receiving a superannuation death benefit after someone has died.

Early access to super
Your super is for retirement, but you may be able to access it earlier on compassionate and other hardship grounds.

First home super saver scheme
How you can use some of your eligible voluntary super contributions to help buy your first home.

Tax on super benefits
Work out the tax that applies to withdrawals or payments from super.

Military invalidity pensions – Douglas decision
Work out if your military invalidity pension is affected by the Douglas decision and what it means for your tax.

Illegal early-access to super
Make sure you know when it's legal to access your super – there are consequences if you access it illegally.