Super contributions
Contributions are referred to as concessional or non-concessional depending on the type of contribution made to super.
Concessional contributions are generally ‘before-tax’ contributions. They include the 9% Super Guarantee payments made by employers. Non-concessional contributions are generally ‘after-tax’ contributions. These contributions include any additional contributions you make from your take-home pay.
Generally, contributions to your super can come from four main sources.
| You | You can add more money to your super account from either your pre-tax or post-tax dollars (provided you meet eligibility criteria). You can also rollover or transfer money in other funds*. |
| Your employer | If you’re employed your employer generally has to pay 9% of your salary into a super fund. This is called the Superannuation Guarantee. |
| Your spouse | Your spouse can make contributions to your super fund (if you are under age 70). Please note that not all super funds accept spouse contributions. |
| The Government | If you’re eligible, the Government has a co-contribution scheme where they will add to your super after you have made after-tax personal contributions to your super within certain limits. |
Learn more about Contributions & Consolidation
- What are contributions?
- What is consolidation?
- Will my employer's contributions be enough?
- How can I grow my Super?
- How do I take advantage of the government co-contributions scheme?
For most BT Funds there is no charge for accepting rollovers; however some funds may charge fees for accepting rollovers. Therefore you should check the relevant fund PDS to see whether any rollover fees will apply. You should also check with your other fund/s to determine whether there are any exit fees for moving your benefits, or other loss of benefits (e.g. insurance cover).
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