Welcome to Super SA: Plan your future
Maximise your super with South Australians just like you
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If the thought of life after work is not so distant any more, it’s good to know that your super is being looked after by Super SA, a South Australian owned and operated super fund. For nearly 120 years we’ve helped public sector employees plan for their best life after work. And now it’s your turn to experience the advantages of being with Triple S.
Your Triple S account is already at work
There are many of benefits to being a Triple S member
No annual cap on salary sacrifice contributions1
You can consider early retirement from 552
Competitive 10-year return of 7.78% p.a3
Flexible Death, TPD and IP cover you can tailor4
Confirm your contact details
Even if your employer has your preferred contact details, Super SA may not!
Once you’ve registered for your online account, make sure to confirm your personal email address, mobile number, and postal address. This way, you’ll never miss important updates and invitations to member events.
It’s the only way to make sure that all future correspondence (including your annual statement) is sent to you online. Of course, you can change your communications preference anytime through your online account or by calling us.
Book a complimentary seminar or webinar
Whatever your life stage or level of income, we can help with questions like: ‘How much money will I need to retire?’, ‘What are the benefits of Triple S?’ and ‘How does insurance in my super work?’.
The best part? Member education sessions are available year-round and at no extra cost for members (and their partners).
Consider consolidating your super
If you have undertaken other employment outside of the SA public sector, chances are you have other super accounts. By consolidating your super, you’re moving it all into one super provider. You can save on time and energy by managing just one super account.
Simply log in to your myGov account, link to the ATO, and click on Manage my super. (Hint: If you don’t see your Super SA Triple S account listed, you can complete a Consolidate your super now form instead).
Before consolidating your super you should check with your other super fund(s) if rolling out will impact any of your benefits (eg. your insurance cover). You may also consider seeking advice from a financial planner.
Choose the right investment
Whether you’re nearing retirement or have many working years ahead of you, how you choose to invest today could impact your super balance in the future.
At Super SA, you can select the investment option that suits your life stage and risk tolerance. Our risk profiler tool is designed to help you. Just by answering a few questions, you can work out the level of investment risk you’re comfortable with, which can guide you with your investment decisions.
Stay with the Triple S Balanced default option or switch?
Most Triple S members are automatically invested in the Balanced option when they join. This option has an investment time horizon of at least 10 years. Triple S has six other options – some of which have shorter investment time horizons – and you can select to invest in a mix of these.
If you're unsure about which investment option is right for you, you may wish to seek personal financial advice.
Try the risk profiler >
Rare opportunities to maximise your balance before retirement
If you have previously boosted your super with before-tax contributions (known as ‘salary sacrifice’ or ‘concessional contributions’), congratulations! Making contributions can be an effective way to grow your super in the long-run.
What you may not know is that unlike most other funds, Triple S has no annual cap on salary sacrifice contributions*. Instead, with a lifetime limit of $1.78m5, you have the freedom to contribute more as you approach the next phase of your life.
Check your insurance
Super SA automatically provides most new SA public sector employees with Income Protection (IP) plus Death and Total and Permanent Disablement (TPD) insurance through Triple S (subject to eligibility). It’s up to you to decide if the default amount is right for you. If you’re not sure, we recommend you speak with a financial planner.
For details on how much cover you have, check your Welcome Letter or log in to your secure account. You can also read about ‘Insurance in your super’ in the Triple S Product Disclosure Statement or join our next insurance webinar or seminar.
Learn more
1 Concessional contributions include standard employer contributions and salary sacrifice contributions. A lifetime untaxed plan cap ($1.78m in FY25) applies to concessional contributions made to Triple S. Refer to the Triple S Product Disclosure Statement (PDS) for further information. If you also receive concessional contributions in a taxed fund, any concessional contributions made to Triple S will be counted towards your annual concessional contributions cap.
2 Subject to leaving public sector employment. If you access your super earlier than your Commonwealth preservation age, you will need to pay additional tax and this may be detrimental to your retirement savings.
3 Triple S Balanced (the default investment option) ranked above median to 30 June 2023 according to Chant West. Returns are net of investment fees (administration fees apply). Past performance is not a reliable indicator of future performance.
4 Subject to being eligible for Death, Total and Permanent Disablement (TPD) or Income Protection (IP) cover through Triple S. If you wish to increase your cover you will need to provide health and medical information. Cover may be subject to limitations. Changes to your insurance will have an impact on your insurance premiums. See the Triple S PDS available at supersa.sa.gov.au for further information.
51.78m in FY 25.