Grow Your Super

Making additional voluntary contributions

You can choose to make additional voluntary contributions by contributing a set percentage of your superannuation salary after tax. This means the money is deducted from your take home pay each fortnight.

And because you’ve already paid tax on this money, it’s not taxed again when you claim your super at retirement.

Salary sacrifice (before tax) contributions

Salary sacrifice means contributing to your super from your before-tax, or gross income. Additional salary sacrifice contributions you choose to make are credited to your Voluntary Account.

Your salary sacrifice contributions are not considered part of your taxable income, which means your Pay As You Go (PAYG) tax may be reduced. However, they will be taken into account when you’re assessed for a range of Commonwealth benefits, including the co-contribution, Age Pension, Family Tax Benefit and Child Support.

Your salary sacrifice contributions will be taxed at the concessional super rate of 15%.

Triple S salary sacrifice option

You can also make additional contributions by salary sacrificing into a Super SA Triple S account. These contributions are subject to a lifetime Untaxed Plan Cap limit ($1.615 million for the 2021–22 financial year), for each untaxed scheme you are a member of. If you also receive concessional contribution in a taxed fund, any concessional contributions made to Triple S will be counted towards your concessional contributions cap (currently 27,500 for the 2021–22 financial year). Refer to the Product Disclosure Statement for further information. You have investment choice of any contributions to the Triple S Scheme.


Because your super is intended for your retirement the Commonwealth Government has put special rules into place known as Preservation.

This means that the money in your super account is restricted and it cannot be paid until you meet a condition of release.

Get the ball rolling!

Rolling in super from other funds means you’ll only be paying one set of fees and you’ll have more money to invest.

You can:

And remember that by making after-tax contributions you could qualify for the Commonwealth Government’s co-contribution.

Why not use the Benefit Projector in the secure member area to see how making extra contributions could grow your super.