Your super savings are intended to help fund your lifestyle in retirement, so the government puts restrictions on when you can access them.

When can you withdraw your super?

Generally, you’re able to withdraw from your super when:

  • you turn 65 (even if you haven’t retired)
  • you reach your preservation age (see table below) and have permanently retired
  • you've reached your preservation age (although only in the form of a transition to retirement income stream)

Note: If you're a temporary resident of Australia, you don't have the above access to your superannuation.


What is my preservation age?

Your birthday
Preservation age
Your birthday

Before 1/7/1960

Preservation age


Your birthday

1/7/1960 to 30/6/1961

Preservation age


Your birthday

1/7/1961 to 30/6/1962

Preservation age


Your birthday

1/7/1962 to 30/6/1963

Preservation age


Your birthday

1/7/1963 to 30/6/1964

Preservation age


Your birthday

After 30/6/1964

Preservation age


Can I access my super early?

Yes, in special circumstances including:

  • Compassionate grounds
  • Buying your first home
  • If you're a temporary resident departing Australia
  • Certain medical conditions
  • Severe financial hardship

To find out whether you’re eligible, please read through Using your super.


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Avanteos Investments Limited ABN 20 096 259 979, AFSL 245531 (AIL) is the trustee of the Colonial First State FirstChoice Superannuation Trust ABN 26 458 298 557 and issuer of FirstChoice range of super and pension products. Colonial First State Investments Limited ABN 98 002 348 352, AFSL 232468 (CFSIL) is the responsible entity and issuer of products made available under FirstChoice Investments and FirstChoice Wholesale Investments.


Information on this webpage is provided by AIL and CFSIL. It may include general advice but does not consider your individual objectives, financial situation, needs or tax circumstances. You can find the target market determinations (TMD) for our financial products at which include a description of who a financial product might suit. You should read the relevant Product Disclosure Statement (PDS) and Financial Services Guide (FSG) carefully, assess whether the information is appropriate for you, and consider talking to a financial adviser before making an investment decision. You can get the PDS and FSG at or by calling us on 13 13 36.