A TTR pension lets you tap your super while you're still working. It used to be a famous tax trick — a 2017 rule change took most of the shine off, but it still earns its keep in a few situations.
Once you hit preservation age (60 for almost everyone now), you can start a transition-to-retirement income stream — super pays you a pension while you keep working.
Before 2017, a TTR's super fund paid zero tax on its earnings — which made the old "salary sacrifice in, tax-free pension out" loop genuinely lucrative. Since then, a TTR's fund earnings are taxed at 15% just like ordinary super.
The payments to you are still tax-free after 60, but the fund no longer compounds tax-free — so the strategy now saves tax only at the margins, not wholesale.
If you're over 60 and simply want to work less, a TTR isn't automatically the answer — drawing down super early shrinks the pot that has to last decades. Sometimes working the extra year, or retiring fully at 60 and letting the pension means tests do their job, beats the clever option. This is exactly the kind of fork where running the numbers matters more than the rule of thumb.
RetirePath's life stages let you model part-time work before retirement — drop to a few days a week at 60 and watch what it does to your "money lasts to" age. Often the glide beats both working flat-out and stopping cold.
Figures reflect the 2026–27 rules year — the same figures the calculator uses. This is general guidance, not financial advice — TTR strategies have fine print worth checking with your fund or an adviser.