The Commonwealth Government's announced changes to super in the 2009/10 Federal budget, however, there were no fundamental changes to the superannuation system. 

The popular Transition to Retirement strategy has not been abolished as pre-budget speculation suggested. Superannuation remains a vital component in funding your own retirement. The main changes in the budget that impact retirement incomes are age pension; co-contributions; salary sacrifice; income stream draw-down relief.

So what do the changes mean for you?