Superannuation accounts may include preserved benefits, restricted non-preserved benefits, and unrestricted non-preserved benefits.
Preserved benefits include all contributions and earnings after 30 June 1999. These can only be paid after you meet a condition of release. Preservation rules apply until the member reaches preservation age.
Restricted non-preserved benefits include all contributions between 1 July 1983 and 30 June 1999. These can also only be paid to a member who meets a condition of release.
Unrestricted non-preserved benefits can be accessed at any time, provided the rules of your fund permit.