As retirement approaches, you might be thinking about cutting back your working hours, spending more time with family or simply finding a better work-life balance. A transition to retirement (TTR) strategy can help make that shift a little easier.

If you’re aged between 60 and 65 and still working, a Vanguard Super TransitionSmart account lets you access some of your super through regular payments. Depending on how you set things up, you could use these payments as you gradually transition into retirement, or to give your super balance a boost before you fully retire.