I am currently working full-time in the USA and have $130,000 in superannuation in Australia. I am thinking of withdrawing the whole amount. I am 60, so have reached the preservation age where I can withdraw the whole amount tax-free if I am not working. What are the rules on working overseas and being able to withdraw funds?

The rules are universal – irrespective of where you live, you can’t access your super until you’ve reached your preservation age, and if you’re between 60 and 65, you must meet a condition of release, which involves signing a declaration confirming you’re permanently retired or have left a job.

For those under 65 who don’t meet the release conditions, an option may be to start a transition-to-retirement pension allowing for a withdrawal of up to 10 per cent of your balance yearly as an income stream.

Just because you’ve left Australia doesn’t mean your super gets to come with you.Credit: Simon Letch

I’m 64, with $900,000 in superannuation and two townhouses valued at approximately $635,000 each. I’m considering selling one. The units cost $375,000 each, plus $20,000 in purchase costs. Selling costs are estimated at $15,000. My annual income is $25,000. I calculate a capital........

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