The next steps for your super

As you near retirement, you may be wondering about the best way to access your super, and how to make the most of your hard-earned money.

The good news is that it’s easy – you can keep your savings invested with LUCRF Super and benefit from tax-free access to your money, whilst your savings remain invested and growing for you*.

How does this work?

work part time image

If you're not looking to fully retire just yet but would like to reduce your working hours without reducing your salary, you can access some of your super now to top up your income, tax-free. This is called a Transition to Retirement strategy.

fully retiring

When you're ready to fully retire, we can convert your super into a LUCRF Pension, providing a tax-free regular income stream. Your savings remain invested and can benefit from tax-free investment earnings*.


Speak to us first

Before taking any action, call us on 1800 413 713 and speak to one of our financial advisers about the right option for you. You can also request a call back by clicking the button below.

Request a call back

There are many things to consider, including how the way in which you access your super may affect your Centrelink and Age Pension entitlements. We are here to ensure your savings work in the best possible way for you.

Our superannuation advice service is included as part of your LUCRF Super membership, at no extra cost. What's more, our advisers are salaried employees of LUCRF Super and do not receive bonuses or commissions.

You've trusted us with your super. Now we look forward to supporting you into retirement.

*Past performance is not a reliable indicator of future investment returns. Issued February 2019 by L.U.C.R.F Pty Ltd ABN 18 005 502 090 AFSL 258481 as Trustee for Labour Union Co-Operative Retirement Fund (LUCRF Super) ABN 26 382 680 883. This is general information only and has been prepared without taking into account your personal financial situation, objectives or needs. General information is not advice. You should assess your personal financial situation before making a decision about LUCRF Super. To help you decide we recommend you read our current Product Disclosure Statement (PDS), available at or by calling 1300 130 780.

The right advice can help you achieve your financial goals now and in retirement.

We'll call you back!