Most of us have superannuation, and most of us understand, in general, how it works while we work, but how many of us understand how superannuation works in retirement? Firstly, and often most unwisely you can access it as a lump sum and withdraw it from super altogether. This is (usually) not a great option as this removes your lump sum from the wonderfully concessional taxed environment that the superannuation provides. The second option is to arrange a regular payment from