Making contributions

Even though you can’t access it until you retire putting extra money into your super can pay off over the long term.

No matter how near or how far off your retirement is, you can still top up your super.

There are a few ways that you can contribute to your super, but just be aware of the limits (called caps) the government places on your contributions.

The Federal Government’s super reforms have cleared Parliament. Some of the changes may affect you, so read our overview for more information. Before making any considerable changes to your super or pension as a result of the changes, we encourage you to speak with a UniSuper financial adviser.

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    Salary sacrificing

    Your employer may allow you to direct some of your regular salary into your super before income tax is deducted. This could help you grow your super in the long term, and you might even pay less tax.

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    After-tax contributions

    Making a few voluntary member contributions from after-tax money to your super here and there can do wonders for your retirement savings. A little now could grow to a lot later.

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    Contributions, caps and tax

    The government imposes limits on how much you can contribute to your super, called caps, before a higher tax rate applies. It’s your responsibility to monitor the contributions you make into your super and make sure you don’t exceed these caps.

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    Government co-contribution

    Make an after-tax contribution into your super this financial year, and you might get a boost through a Government co-contribution payment.

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    Self employed contributions

    It’s easy to forget about super when you’re running a business, but it’s important to make sure you have enough super.

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    Low income super contribution

    Receive up to a $500 super boost from the government

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