The information contained in this video is of a general nature only and contains general advice. It’s been prepared without taking into account your individual objective, financial situation or needs. Before making any decision about your super you should consider your personal circumstances, the relevant product disclosure statement for your membership category and whether to consult a qualified financial adviser.

You can access a copy of the product disclosure statement relevant to your membership category by visiting unisuper.com.au/pds.

This video has been produced by UniSuper Management Ltd. ABN 91 006 961 799. AFSL No. 235907 on behalf of UniSuper Limited, ABN 54 006 027 121 AFSL No. 492806, the Trustee of UniSuper, ABN 91 385 943 850.


As you may know superannuation is money set aside during your working life to help provide for your retirement. In most cases, your employer is obliged to contribute a fixed amount of money based on your salary, into your superannuation fund.

But did you know that the amount of super you build up for your retirement is not limited to the compulsory contributions made by your employer.

You can also make your own voluntary contributions either, on a before-tax or after-tax basis.

One way to contribute to your super is to have your contributions deducted from your salary before-tax has been deducted under a salary sacrifice arrangement.

These contributions attract a concessional tax treatment, and are usually taxed at a lower rate than most people's marginal tax rates.

The government imposes limits called contributions caps on the total amount of contributions you can make each financial year and still receive concessional tax treatment on those contributions.

If you exceed the caps, you may pay a much higher rate on any contributions that exceed the cap.

Another great way to contribute to your super is by making contributions from your salary after-tax has been deducted.

These contributions are known as personal after-tax or non-concessional contributions. These contributions are also capped.

Before you make any decision about whether or not to make additional contributions into your super, you should talk to a qualified planner and obtain taxation advice from a taxation specialist.

To learn more about making extra contributions to your super, you may also like to attend a UniSuper seminar.

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