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If you have reached preservation age and are still working you can also sacrifice pay into your super fund and draw down an income stream from your super to top up your reduced take-home pay. A preserved benefit refers to benefits built up after 1983 from employer contributions and any of your own contributions since 1999.

However, if you do not provide your TFN, your fund may be taxed at the highest marginal tax rate plus the Medicare levy on contributions made to your account in the year, compared to the concessional tax rate of 15%.Choosing to quote your TFN will also make it easier to keep track of your superannuation in the future.Founded in 1907, the Queensland Trucking Association Ltd (QTA Ltd) is the peak industry body for road freight operators in Queensland.Applications for release on compassionate grounds must be referred to the Australian Prudential Regulation Authority.Promoters who promise early access to super should be shunned as you are likely to have to pay marginal tax on the withdrawal, as well as penalties if you enter into such a scheme.