Contribution options

Knowing the different ways in which you can contribute can make all the difference to your super result. Talk to an adviser about the best way to put your money to work. Be sure that your super fund has a valid Tax File Number (TFN) on your account(s), especially if you intend to make after-tax contributions. After-tax contributions will not be accepted without a valid TFN. Visit www.btinfo.com.au/tfn for more information and to provide BT your TFN.

Super ways to grow your nest egg

Your situation	Contribution type	Potential benefit
You earn less than $58,980 p.a.	You make additional super payments from your after-tax income.	Government co-contribution scheme Government may contribute $1.50 for every dollar contributed (up to a max. $1,500 p.a.). Check eligibility requirements on the ATO website.
Your spouse earns less than $13,800 p.a.	You make additional payments to your spouse's super from your after-tax income. Make sure we have your TFN.	Spouse rebate Potential tax rebate of up to 18% on first $3,000 of contributions on spouse's behalf. Check eligibility. (PDF 128KB)
You are an employee.	You sacrifice some of your salary into super (pre tax).	Tax effectiveness Contributions attract only 15% tax rate. Not such a sacrifice
You are an employee.	You make additional payments to your super after tax.	Compound interest Contributions generally not taxed in the fund. Long-term investment may help grow your super, due to cumulative effects of compound interest. Why add to your super?
You are self-employed.	You contribute to your super.	Tax-deductibility After-tax contribution is 100% tax-deductable, with up to $50k eligible for the 15% tax on entry (up to $100k for people aged over 50). Check out some super ways to save tax.
You are currently not employed.	You contribute to your super.	Alternative investment With earnings taxed at 15%, may be more tax-effective than investing outside super, although there are restrictions on accessing your money. There are no restrictions on contributing if you are under age 65. People aged 65 and over will need to meet a work test.

When choosing a fund

When choosing a super fund, you may want to consider what contribution options are available. Not all funds, for example, accept Government co-contribution for members.

Talk to your financial adviser about which contribution type will work for you.

Is my money in a good super fund?

Find out more about investment

Find a financial adviser using BT's Adviser Referral Program.
Learn about BT's super funds.