There are a number of ways you can grow your super to make a positive difference to your lifestyle in retirement.
If you are, or have been employed, you should make the most of employer’s contributions by:
- checking your employer’sĀ super guarantee contributionsĀ are paid into your fund
- letting us know if you haveĀ unpaid super from your employer
- keeping track of your superĀ and search for any lost or ATO-held super.
To actively grow your super, take steps to investigate:
- aĀ salary sacrificeĀ arrangement with your employer
- making your ownĀ personal contributions
- checking if you ‘re eligible forĀ government contributions
- transferring money fromĀ foreign super accounts.
Your spouse may also be able to make a contribution to your super.
Limits or caps apply on the amounts that can be contributed to your super each financial year. If you go over these caps, you may have to pay extra tax.
Find out about:
- Super from your employer
- Unpaid super from your employer
- Adding to your super
- Keeping track of your super
- Maximising your super
See also:
- Super contributions – too much can mean extra tax
- MoneySmart.gov.auExternal LinkĀ – to access financial guidance and tools, including super estimators
- Getting your super started
- Withdrawing and using your super
- Temporary residents and super
