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*The ability to take out a transition to retirement (TTR) pension is subject to eligibility, conditions and limits set by the government. A reference to ‘take-home pay’ means the income received by an individual from employment, together with draw-downs from their superannuation. Your superannuation balance will depend on contributions made, draw-downs or withdrawals, investment earnings, taxes, fees and charges. There are restrictions on commuting a TTR once it has commenced. This information has been prepared without taking into account a potential investor’s objectives, financial situation or needs. Before making a decision based on this information, you should consider its appropriateness having regard to your objectives, financial situation and needs. When deciding whether to acquire or continue to hold a product, please refer to the Product Disclosure Statement available by contacting your financial planner or the product provider. Financial product advice is provided by representatives of Suncorp Financial Services Pty Limited ABN 50 010 844 621, Australian Financial Services Licence & Australian Credit Licence 229885, which is a related body corporate of Suncorp Group Limited ABN 66 145 290 124 (Suncorp Group). The different entities in the Suncorp Group are not responsible or liable in respect of products or services provided by other entities in the Suncorp Group. A fee may be payable if a financial plan is prepared.