- 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
-
TOPPING UP
YOU CAN BOOST THE AMOUNT
YOU HAVE AT RETIREMENT
Making additional contributions to your super can make a big difference to how much you have at retirement.
Contribution types
There are two types of super contributions you can make:
Concessional (before-tax) contributions
These contributions are made to your super fund before tax is taken out. They include:
- employer contributions
- salary sacrifice
- deductible contributions (if you’re self-employed).
Non-concessional (after-tax) contributions
These contributions are made to your super fund from your pay after tax has been taken out. If you make extra non-concessional contributions to your super, you could also qualify for an additional co-contribution from the government each year.
Find out if you’re eligible for the co-contribution.
Find out how to make a non-concessional contribution.
To help you decide which type of contribution is right for you, view our webcast or use the Contributions Optimiser Calculator.
Stay within the contribution limits
Under Australian legislation, you have to pay extra tax if your contributions to your super exceed the current contribution limits.
It’s your responsibility to ensure that you don’t exceed these limits, so make sure you use the Contributions tracker to help you keep track of your super contributions. You can also stay up to date with contribution limits so you don’t have to pay more tax than you need to.