Growing your super


Grow your own way

There are plenty of ways you can add to your super balance today to achieve the retirement lifestyle you want down the road.

Most employers currently contribute 9.5% of your salary into your super account via the compulsory Superannuation Guarantee (SG) payments. However, this might not be enough if you have particular retirement goals in mind. By boosting your balance with voluntary contributions, you may have more money to live the way you want, once you stop working.

There’s a number of ways to add to your super. Before you make any
extra contributions, you should consider your debt levels as well as
current and future financial commitments.

Employer Compulsory Super Guarantee
  • Concessional (i.e. Pre-tax)
  • Employers are required to pay you 9.5% of your income as super contributions
  • Concessional Contribution Cap
Employer Additional Contribution
  • Concessional (i.e. Pre-tax)
  • This is anything that your employer pays you on top of the compulsory amount as part of your salary package
  • Concessional Contribution Cap Applies
Employer Compulsory Super Guarantee
  • Concessional (i.e. Pre-tax)
  • Employers are required to pay you 9.5% of your income as super contributions
  • Concessional Contribution Cap
Member Contribution
  • Non-concessional (Post-Tax)
  • Voluntary contribution to add to your super from your own pocket, and are paid via BPAY
  • Non-Concessional Contribution Cap
Spouse Contribution
  • Non-concessional (Post Tax)
  • Voluntary contributions to add to your spouse’s account to boost their super. These contributions can be paid via BPAY
  • Concessional Contribution Cap Applies
For more information

To find out more about Concessional and Non-Concessional contributions, the ATO or money smart Gov website.3

Its good to get financial advice

The key thing to note — once you add these contributions. you cannot withdraw a single cent. unless you meet a condition of release as specified by the ATO. The information stated above is general in nature and is not tailored to your personal circumstances. We recommend that you speak to your financial adviser to see whether making these contributions is right for YOU.

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