Grow your super

Grow your super

Want to live your very best life when you retire? Growing your super is the answer.

To live the life you really want when you retire, you’ll need to be financially fit and ready for it. One of the best ways to achieve financial readiness is to gradually grow your super over a long period of time.

For most members, your employer contributes a minimum of 10.5% of your salary into your super account each year1, but there are other ways to grow your nest egg.

If you’re looking to educate yourself so you can get ahead, you’re in the right place.

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Salary Sacrifice

Also known as a before-tax contribution, salary sacrifice is an agreement with your employer to make super contributions from your before-tax salary. You could lower your income tax while boosting your super at the same time.2


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After-tax Contributions

Also known as voluntary contributions, after-tax contributions to super are made using your take-home pay or savings. While putting more money into a tax-effective environment, you could also get a top up from the Commonwealth Government.2


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Government Co-Contributions

If you’re earning less than $57,016 in the 2022/2023 financial year, you may be eligible to receive an extra contribution from the Commonwealth Government, up to $500.2


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Low-Income Super Tax Offset (LISTO)

(Only applies to Super SA Select members)

If you’re earning less than $37,000 each financial year and eligible, the LISTO could see the Commonwealth Government refund into your super up to $500 on before-tax contributions such as employer contributions or a salary sacrifice.2


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First Home Super Saver (FHSS) Scheme

(Applies to members of Super SA Select and Flexible Rollover Product investors only) 

Looking to buy your first home? With the FHSS Scheme3, you have the opportunity to build a deposit within your superannuation account.2


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1 Different arrangements apply for defined benefit scheme members.

2 You should seek financial advice before making any decision about your super or your contributions.
3 Subject to eligibility. Available to members of Super SA Select and FRP only. 

The superannuation schemes administered by Super SA are exempt public sector superannuation schemes and are not regulated by the Australian Securities and Investments Commission (ASIC) or the Australian Prudential Regulation Authority (APRA). Super SA is not required to hold an Australian Financial Services Licence to provide general advice about a Super SA product. The information in this publication is of a general nature only and has been prepared without taking into account your objectives, financial situation or needs. Super SA recommends that before making any decisions about its products you consider the appropriateness of this information in the context of your own objectives, financial situation and needs, read the Product Disclosure Statement (PDS) and seek financial advice from a licensed financial adviser in relation to your financial position and requirements. 

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