Quiz: Making sense of a Transition to Retirement strategy

25 April 2025

Thinking about your options as you approach retirement? A Transition to Retirement (TTR) strategy could be an effective way to ease into this next phase of life. Take our quiz to see how much you know about TTR and whether it could work for you!

1. A Transition to Retirement (TTR) strategy is all about booking endless holidays and scheduling new daily adventures!

Answer: While making plans for how to enjoy your retirement years is important, a TTR strategy is actually a way to access some of your super while you’re still working. It involves opening an Income Stream account so you can receive payments to supplement your income. This could help you to reduce your work hours (without reducing your take-home pay!) or boost your super before retirement. Or both, depending on how you set it up!

2. At what age can you start a TTR strategy?

Answer: If you’re aged 60 or over, you could consider starting a TTR strategy today. It involves transferring at least $30,000 of your super funds into it a new Income Stream account and setting up your regular payments.

3. What is a potential benefit of a TTR strategy? Select one.

Answer: They’re all potential benefits! A TTR strategy may give you more flexibility as you head towards retirement. You could use it to supplement your income while working, cut back your hours without a big reduction in income, or potentially benefit from tax savings. The key is having a clear plan that aligns with your goals.

4. True or False: You can start a TTR strategy and still work full-time.

Answer: It’s true – you can stay working full-time while using a TTR strategy. This can be an effective way to boost your super savings by salary sacrificing more of your before-tax pay. See our case study to learn how it could work for you.

5. True or False: A TTR strategy has no impact on your super balance, so there’s no need to plan how you manage it.

Answer: A well-managed TTR strategy allows you to keep your money invested for potential returns and grow your super through salary sacrificing. However, without a clear plan, withdrawing too much from your Income Stream could reduce your super balance over time.

Want to know more about TTR?

No matter where you are in your retirement planning journey, we’re here to help. We run regular seminars on planning for and enjoying retirement, giving you the opportunity to learn more, ask questions, and see case studies that help bring your super options to life!

Check out our upcoming sessions – there’s no cost to book!


The information in this article is for members of Triple S.

The superannuation schemes administered by Super SA are exempt public sector superannuation schemes and are not regulated by the Australian Securities and Investments Commission (ASIC) or the Australian Prudential Regulation Authority (APRA). Super SA is not required to hold an Australian Financial Services Licence to provide general advice about a Super SA product. The information in this publication is of a general nature only and has been prepared without taking into account your objectives, financial situation, or needs. Super SA recommends that before making any decisions about its products you consider the appropriateness of this information in the context of your own objectives, financial situation, and needs, read the Product Disclosure Statement (PDS), and seek financial advice from a licensed financial adviser in relation to your financial position and requirements.