living off super

OK, now I have the right thread. I am female and no where near retirement age. I have a self managed super fund account which I could live quite comfortably off the earnings. I also live in the sunny state of qld, just in case the state laws are different, I also have a partner who is working full time. Can someone help with a couple of queries, would I be disadvantaged for retireing now, for example tax wise, penalties, etc. I obviously need to speak to an accountant and tax adviser but was trying to get a little head start and research. Thank you in advance for any replies.
Cheers
LL