What is preservation age?

Your super is designed to help you save for retirement and has tax benefits, so there are rules about when you can access the money.

Your 'Commonwealth preservation age' is the minimum age, required by Commonwealth government legislation, at which you can access your super. Until you reach this age and have retired, you can’t access your super benefit other than in certain defined circumstances.

Your preservation age depends on your date of birth:

  • If you were born before 1 July 1960, you can access your super now that you're over 55
  • If you were born between 1 July 1960 and 30 June 1961, you can access your super now that you're over 56
  • If you were born between 1 July 1961 and 30 June 1962, you can access your super now that you're over 57
  • If you were born between 1 July 1962 and 30 June 1963, it's when you turn 58
  • If you were born between 1 July 1963 and 30 June 1964, it's when you turn 59
  • If you were born after 1 July 1964, you can access your super when you turn 60

If you’re a Gold State Super member, you can access your super once you turn 551and you retire from the WA public sector.

1 If you access your benefit before you reach your Commonwealth preservation age you may be liable to pay a higher rate of tax. The Commonwealth preservation age is higher than the age at which you can access your Gold State Super benefit. Please contact your Member Services Centre and review our Tax and your super brochure for more information.

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Page last updated 28 April 2017