Why add to your super?

If you are an employee, the compulsory Superannuation Guarantee generally ensures your employer contributes 9% p.a. of your salary to your super (up to a maximum limit). Making additional contributions may help you to achieve financial security in retirement.

Will you have enough super?

Salary sacrificing is one of a number of ways you can add to your super. You sacrifice some of your pre-tax money and your employer contributes it into your super where it is generally taxed at a lower rate than if you had taken it as take-home pay. Salary sacrificing may also reduce your overall taxable income.

How is super taxed?

Super can be a tax-effective strategy. Salary sacrificing means that, depending on your income, you only pay 15% tax on your contributions. Self-employed contributors may also be eligible to claim a tax deduction.

If your spouse earns less than $13,800 a year, any super contributions you make on their behalf (up to $3,000 per year) may also attract a tax rebate.

Get the most from your super.

Restricted access means that you aren't able to top up your super then take it again. Plus, the longer you invest, the more money you may earn as your super compounds.

Getting at your super: what rules apply?

There are many ways to top up your super. Plan for a comfortable retirement by finding out more about personal contributions.

Help me choose a contribution option.

Did you know that one in three working Australians has super funds sitting in unclaimed accounts?

Help me to track down my super accounts.