Helping your partner build their super is a win-win

Info for members
14 Jun 2022
2 min read

Find out how you can give your partner’s super a boost – it’s a win-win.

When you think about your ideal retirement lifestyle and the activities you want to do, it’s likely you’re planning to experience it all with that special someone in your life.

As the 2021-22 financial year ends, you could consider boosting your partner’s super to keep your collective retirement goals on track. There could be benefits for you both now and in the future. Get in before our deadlines for end of financial year contributions.

Consider making a spouse contribution

You could make an after-tax spouse contribution into your partner’s account to keep their super balance healthy. If your partner’s taken time out of the workforce to raise a family, study or other reasons, they may not have received employer contributions. If eligible, spouse contributions can be a great way to compensate for a contributions break.

There’s tax benefits to making spouse contributions too. You may qualify for a tax offset of up to $540 this financial year on spouse contributions for a partner that’s living with you in Australia and earning less than $40,000 p.a. You can claim this in your tax return.

Learn how to make a spouse contribution

Government co-contribution

Depending on their income, your partner may be eligible for a government co-contribution up to $500 if they top up their super. To qualify they must contribute $1,000 out of their after tax income and meet other eligibility criteria. Learn more at the ATO website.

Learn more about super splitting

We’re an open fund

We’ve recently opened the fund to those outside the higher education and research sector. If your partner isn’t already a UniSuper member, you can invite them to join the fund that offers greater super.

UniSuper advice is a multi-award winner

Everyone’s circumstances are different. Before deciding whether making extra contributions is right for you, consider talking to UniSuper’s award-winning advice team.

Our super consultants can provide information and general advice across a range of topics at no extra cost, whether you’re a UniSuper member or not. Book an appointment in-person on campus, via video or over the phone, or call 1800 823 842.

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