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If you don’t yet have sufficient money to retire permanently or you want to keep working, a pre-retirement pension is an option if you are over 55. You can also continue to contribute back into your super to maintain or even grow your super balance for when you retire permanently.

If you are still a way off retirement there are several strategies you can use to get your super working harder to ensure that you will meet your retirement goals. You may also need to consider whether your investment strategy in the lead up to retirement is too conservative or too aggressive.