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nickenoff(Newbie)Newbie
23 Jan 2026

I will be 60 this year and wish to access my super to pay off the mortgage and do renovations and increase our income. I am self employed working for 2 community organisations that pay me on invoice (and they also pay into my super). I also have a partnership where we run 3 annual events a year and we divide the profits between us (no super payments made). I need to satisfy that I'm retiring from gainful employment but know I can still work 10 hours a week. Can I retire from the 2 organisations that pay me and super but still keep my partnership going? I only make approximately $10K a year from the partnership as we only do 3 events a year.

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1 replies
140 views
1 replies

All replies

NikkiATO(Community Moderator)Community Moderator
29 Jan 2026

Hi @nickenoff,


Yep, that’s right. Once you’re 60 or older, you can access your super when you stop one gainful employment arrangement, even if you keep working in another role or business.


If you end your work with the two community organisations, that counts as ceasing an employment arrangement. After that, you can still keep your partnership going and earn income through it – that doesn’t stop you from meeting this condition of release.


Any super you build up after the date you stop those roles will stay preserved until you meet a new condition of release.


If you’re 60 or over, super paid from a taxed fund may be tax‑free.

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Self employed and retiring at 60 | ATO Community