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Taking out your full super in a lump sum is very tempting but may come with tax consequences. Talk to a financial adviser to find out what tax, if any, you will have to pay. There may be options available to withdraw it in stages, depending on your age.


  • You can invest your money elsewhere
  • You can pay off your debts
  • You have cash available for large purchases such as a holiday or car


  • You may have more tax exposure
  • You may spend cash now that you need later
  • If the cash isn’t invested well, it may not grow which may impact future income