What Is TTR? Transition to Retirement Explained Simply

You’ve probably heard someone mention a “TTR strategy” but what does it actually mean, and should you be using it? For many Australians, misunderstanding this strategy can lead to missed opportunities… or costly mistakes.

In this episode, Scott and Phil break down Transition to Retirement (TTR) in plain English what it is, how it works, and when it actually makes sense. They also explain how the rules have changed over time and why many people are still working off outdated information.

You’ll learn:
- What a Transition to Retirement (TTR) strategy is and how it works from age 60
- How you can use super to supplement income while reducing work hours
- The rules around accessing super, including the 4%–10% drawdown limits
- When TTR can be used for tax planning, cash flow, or future strategy
- The risks of accessing super too early and reducing your long-term retirement balance

This episode is for Australians aged 55+ who are approaching retirement and want to understand how to use super more effectively. If you’re considering cutting back work, improving cash flow, or planning the next phase of life, this episode will help you make smarter, more informed decisions.

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