Whether you are already retired or winding down to retirement, BUSSQ has an Income account to suit you.

BUSSQ offers two types of flexible income streams - a Transition to Retirement Income account (TTR) and a Retirement Income account.

Transition To Retirement Income account (TTR)

A Transition to Retirement (TTR) Income account can assist in reducing tax and boosting your super savings in the lead up to retirement. TTR Income accounts are suitable for those aged over preservation age and still working.

BUSSQ’s TTR Income account lets you ease into retirement by working the hours that suit you without sacrificing your standard of living.

The TTR Income account can provide regular payments to help you fill the gap that the lower pay leaves. A TTR Income account is also used by some who remain working full time, but either start to, or increase their salary sacrifice contributions into super. In this case the shortfall in pay can then be met from the TTR income stream.

To find out if a Transition to Retirement Income account is right for your needs call us on 1800 692 877. 

Retirement Income account

A Retirement Income account enables you to use your superannuation savings to have a regular income, while the rest of the money remains invested.

A BUSSQ Retirement Income account puts you in control of your retirement savings, by letting you determine how much income you receive, depending on your circumstances (subject to a minimum amount).

Whether you use the income you receive to top up the Government Age Pension, or make lump sum withdrawals from your Retirement Income account as required, the choice is yours.

A BUSSQ Retirement Income account allows you to:

  • Receive a regular income paid directly into your bank account
  • Receive tax free payments if you are aged 60 or over
  • Make lump sum withdrawals on top of your regular Pension payments (if eligible)
  • Reduce the risk of mismanaging your money when you don’t have a regular income stream.

BUSSQ’s Income account products are highly rated by SuperRatings begin awarded a Platinum rating for 2023.

To start a BUSSQ Income account, or for more information, call us on 1800 692 877 and we can help get you on your way to retirement. 


BUSSQ members have access to personal financial advice at no extra cost*. The advice is limited to BUSSQ products and is advice on insurance, investment choice, contributions and retirement. 

BUSSQ members also have access to tailored retirement advice which is advice on retirement income streams and transition to retirement. If the advice given extends beyond a member’s BUSSQ super account, an additional fee is payable which will be detailed in the Statement of Advice your advisor gives you.

If you're interested in financial advice call us on 1800 692 877.


This webpage provides general information only and does not take into account your personal financial situation or needs. Before acting, you should review the Product Disclosure Statement to ensure you have all the information about the relevant BUSSQ product and how it works and consider the appropriateness of the information to your needs or obtain financial advice tailored for your personal circumstances. A Target Market Determination (TMD) document shows the target market of consumers that a product is designed for and can be viewed on our TMD page.

*Personal advice is limited to BUSSQ products and is advice on insurance, investment choice, contributions and retirement. The cost of this advice is included in the administration fees and costs. Advice is provided by Link Advice Pty Ltd (ABN 36 105 811 836 AFSL 258145).