After years of hard work, you can finally take advantage of your super savings – and you don’t even have to retire to make the most of them.

Setting up a transition to retirement income stream (TRIS for short) with your super could help achieve your lifestyle goals and give you a better work-life balance.

It gives you the following options:

  • Reduce your work hours without reducing your income
     If you want to work less but are concerned about how reduced hours could affect your take-home pay, a TRIS can help. It allows you to set up regular payments, so you could cut down on your work hours and supplement your income with payments from your TRIS. So while you are reducing your hours, you could still get paid the same.

  • Use your super to pay off debt
    You could use the income from your TRIS to pay off high-interest debts like a mortgage or credit card bill.

Need some advice?

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We're here with the right support and advice

We know retirement planning can be complex, so it’s wise to talk to a financial planner. 

StatePlus is a wholly owned financial planning business of First State Super. They can help you determine whether a transition to retirement income stream is right for you. 

Book an appointment

Quality advice changes lives

In 2016, we purchased StatePlus to create one of the largest member-owned financial planning networks in Australia. Combining our financial planning teams means that our members get greater access to trusted advice.  

A few things to consider about starting a TRIS

Please read the Member Booklet (Transition to Retirement Income Stream) before deciding if this is the right product for you.

Once you've set up a transition to retirement income stream, remember:

  • You can’t withdraw your whole super balance as a lump sum, unless you have non-preserved money.
  • You must withdraw a minimum of 4% (pro rata if you start part way through the financial year) and a maximum limit of 10% of the account balance applies for each financial year. Drawing down from your super could mean there is less to access when you fully retire.
  • If you are under 60 years of age, pension payments do create taxable income but this is at concessional rates. Once you turn 60 years of age, you don’t pay tax on the pension payments.
  • Investment earnings in a TRIS are taxed at 15%.

Learn more about TRIS

Accessing your super

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FSS Trustee Corporation ABN 11 118 202 672, AFSL 293340, is the trustee of the First State Superannuation Scheme ABN 53 226 460 365 (First State Super). This is general information only and does not take into account your specific objectives, financial situation or needs. General advice is provided by First State Super, ABN 53 226 460 365 and State Super Financial Services Australia Limited, trading as StatePlus, ABN 86 003 742 756, AFSL No. 238430. StatePlus is a wholly owned company of First State Super. Financial planning advice is provided by StatePlus or First State Super Financial Services Pty Ltd, ABN 37 096 452 318, AFSL 240019. You should consider the Member Booklet (Product Disclosure Statement) for the product you hold or intend holding before making any decisions. Call Customer Service on 1300 650 873 for a copy, free of charge, or visit