We have an smsf, are over 55s and been thinking of starting the pension. We would like to ask questions from forum experts and those who have taken pension from their smsf before 60. We understand that we have to review and amend the smsf trust deed to allow us to start the pension. We have seen trustdeed.com.au advertised to update the deed for $110, whereas the accountant wanted $550 or more. Has anyone dealt with trustdeed.com.au? We only have shares in the smsf, and so thought it might be simple for us to do all the paperwork, instead of the accountant (who has the tendency to send us an invoice every time we phone him). Does anyone know what kind of paperwork is involved in the process? We have seen trustdeed.com.au selling "account based pension documents" for $275. We are not sure if these documents are all we would need. Should we wait until 60 to take a pension instead of now, to save all the hassles with the paperwork and tax - after 60, all the earnings in the smsf will be tax free. Thanks in advance!