- Superannuation
- Your one SuperSolution for life, built on world class investments.
- Self Managed Super
- Bolster your portfolio with unique investment options
- Retirement
- Financial flexibility, into and throughout retirement.
- Fund investors
- Innovative strategies, traditionally reserved for the world's largest investors
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Superannuation Factsheets
A series of factsheets to make the most of your super.
Ways to contribute to your super
- Super Co-contribution – does it apply to me?
Make voluntary contributions to your super and you may receive a boost to your balance from the Government - What’s the difference between before-tax and after-tax contributions?
Examine the benefits and limitations of salary sacrifice versus after-tax contributions to help you determine the best option for you. - Contribution limits – avoid paying extra tax
There are limits that restrict the amount you can contribute to super in any particular year before incurring additional tax. - Concessional contribution limits for Defined benefit members – avoid paying extra tax
How to calculate your before-tax contribution limit - Spouse contribution splitting
Transfer some of your super contributions to an account for your spouse to save tax or allow access to your super earlier
Managing your super
- Consolidate your super – why & how
Russell SuperSolution can help you consolidate your accounts. You could save time and money - Choice of superannuation fund
Helping you compare funds and make an informed decision - When you can access your super
Superannuation is designed to fund your retirement, so there are restrictions surrounding when and how you may access it. - Finding your lost super
We have some tips to help you find your lost super
Leaving your employer - through job change or redundancy
2012 Federal Budget
Insurance and claims
- Your death benefit & claims process
Understand how your death benefit works and the claims process - Your total and permanent disablement benefit & claims process
Understand how your total and permanent disablement benefit works and the claims process - Your income protection benefit & claims process
Understand how your income protection benefit works and the claims process
Dispute resolution
Nominating beneficiaries
Transition to Retirement
Financial advice
New or temporary residents to Australia
- Superannuation basics for members new to Australia
This fact sheet answers some common questions people new to Australia may have about the superannuation system. - Departing Australia? Claim your superannuation payment
This fact sheet explains how temporary residents departing Australia can claim their superannuation and the tax payable. - Transferring overseas pensions to Australia
If you have lived overseas and have accrued pension benefits, you may now be eligible to transfer them to Russell SuperSolution.
Pensions and payments
SuperStream Levy
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In the May 2012 Budget, Treasurer Swan announced that a “temporary SuperStream Levy” would be imposed on APRA regulated funds to meet the regulatory costs of implementing the Government’s SuperStream reforms (a component of the Government’s plan to overhaul the superannuation system). The Government said the levy would be collected by APRA within its existing supervisory levy process (in other words, APRA would get super funds to collect the levy from members on its behalf). The temporary levy is expected to raise $467.1 million over seven years, and commenced 1 July 2012.
What this means for you
The Russell SuperSolution Master Trust is an APRA-regulated fund, which means the temporary APRA levy will apply to your account. The levy will be collected over time. From January 2013 we will deduct $20 from each member’s account, which will cover this financial year. We will keep you updated about future deductions (if any).
Please note: We don’t keep this money; rather we are merely collecting it on behalf of the Government and will forward it to APRA each year. Much like you pay 10% GST on goods and services and then the shopkeeper or service provider sends the 10% GST to the government.