Mega-boost your super with TTR
Kyle's Transition to Retirement strategy
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Meet Kyle, he’s giving his super a mega-boost before retirement.
Kyle is 60 and earns $100,000 a year working full-time. He has $450,000 in his Triple S account. He wants to give his super a final boost to put him in good stead by the time he’s ready to retire at age 65.
His goal:
Boost his super without reducing his take-home pay.
How did Kyle do it?
Kyle opened a TTR Income Stream and transferred $400,000 into it from his Triple S account. Because Triple S super isn’t taxed upfront, 15% tax is deducted when the funds are transferred, leaving him with $340,000 invested in his Income Stream and $50,000 still in Triple S.
At the same time, he set up a salary sacrifice arrangement of $50,000 a year from his before-tax salary. This dropped his taxable income to $50,000, which lowered the tax he paid.
Next, Kyle arranged fortnightly tax-free payments of $1,300 from his TTR Income Stream into his bank account. That way, his take home pay stayed the same as before.
| Item | Before TTR | With TTR and salary sacrifice |
| Taxable Income (before tax) | $100,000 | $50,000 |
| Salary sacrifice into super | $0 | $50,000 |
| Income tax & Medicare levy | $22,788 | $6,538 |
| Take home pay (after-tax) | $2,969 per fortnight ($77,212 per annum) |
$1,672 per fortnight ($43,462 per annum) |
| Income Stream payments | $0 | $1,300 per fortnight ($33,800 per annum) |
| Net income | $2,969 per fortnight ($77,212 per annum) |
$ 2,972 per fortnight ($77,246 per annum) |
| Net benefit | - | $8,700* |
The TTR advantage for Kyle
With a TTR strategy in place, Kyle keeps the same take-home pay, pays less tax, and grows his super faster.
- His take-home pay remains steady at around $2,970 per fortnight
- He redirects part of his salary, which would normally be taxed at 32% (including the Medicare Levy), into his super, where it’s only taxed at 15% upon withdrawal
- His super increases by about $8,700 more each year (plus any investment returns)
- The income he draws from his TTR Income Stream is tax-free.
Kyle’s happy knowing he can grow his super faster while still enjoying the same lifestyle.
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Case study assumptions and notes
- Kyle's Triple S account has a 100% untaxed component.
- The income Kyle draws from his TTR Income Stream is tax free.
- Kyle receives super contributions exclusively from his South Australian public sector employer including his salary sacrifice into Triple S.
- He directs part of his salary, which would normally be taxed at 32% (including Medicare Levy), into his super, where it is likely to be only taxed at 15% upon withdrawal.
- The net benefit has been calculated as, net salary sacrifice contributions less income stream payments. That’s $50,000 less $7,500 (deferred tax at 15%) less $33,800 = $8,700.
- Calculations are approximate and are based on 2025-26 income tax rates.
The actual benefits you receive will depend on a range of factors including investment performance and fees (which would generally increase due to having 2 accounts).
Run your own numbers
Use our Retirement Income calculator to run your own numbers and see how a TTR strategy could work for you.
For all fees and costs associated with a Super SA TTR Income Stream, please read the Product Disclosure Statement (PDS).
