Transition to Retirement (TTR) pension

Enabled: when on, the engine starts a TRIS-style drawdown the year you reach the configured start age (or preservation age if no start age is set), provided you still have a super balance.

Start age: the age TTR drawdown begins. Defaults to preservation age (60). You can set this anywhere from 55 to 75.

Drawdown strategy minimum: the engine draws 4 percent of the super balance per year, the legal minimum for a transition-to-retirement income stream.

Drawdown strategy maximum: the engine draws 10 percent of the super balance per year, the legal maximum for TRIS.

TRIS income is treated as tax-free to members over 60 but is added to the Medicare Levy Surcharge income test, so the engine includes it when assessing MLS thresholds.

Some users use TRIS to maintain take-home pay while salary-sacrificing more aggressively into super, capturing the 15 percent contributions tax instead of marginal rate.

Some users use TRIS to step down working hours after preservation age while maintaining cashflow.

Some users skip TRIS entirely because the strategy adds complexity for marginal tax benefit once they are already past preservation age.

TRIS adds operational complexity. The strategy is typically paired with a specific salary-sacrifice plan; turning it on without that pairing rarely improves outcomes.

Drawdowns reduce the super balance compounding tax-free in pension phase, so heavy TRIS use can leave less behind for true post-retirement drawdown.

TRIS interacts with concessional contribution caps and MLS thresholds. If your income is near the Medicare Levy Surcharge bands, TRIS income can push you over and trigger the surcharge.