boost now, thank yourself later

Your employer is expected to contribute a minimum of 9.5% of your salary to your super. But, did you know that it doesn't have to stop there? There are many ways you can boost your super, starting now.

 

Two ways you can boost your super

 

Do it before you're taxed

Better for:
those who earn a total income over $50,000
 
Main benefit:
pay less tax
 
Ask your employer to set up salary sacrifice directly from your pay. If your employer doesn't offer it, you can now make contributions directly and claim them as a tax deduction.
 
 

Do it after you've been paid

Better for:
those who earn a total income under $50,000
 
Main benefit:
bonus super from the government

Set up recurring payments into your super via direct debit from your bank account.
Log in to your online account to get your BPAY details.
 
 
 
 
 

What could an extra $20 a week do?

A lot. When combined with the Age Pension, your own extra contributions can help you enjoy the things you look forward to the most. Adding an extra $20 a week now could become $50 a week for you to enjoy in retirement*. That could make a huge difference.
 
 

Find out the big impact even small changes can make by using the Contributions Calculator.

 
 
 

Track down your lost super

Go to the 'Consolidate super' tab in Member Online and search for your lost super.

Find my lost super

Supply your TFN and save

Supplying your Tax File Number (TFN) will help lower the tax you pay on your savings, and who doesn't want that?

Supply your TFN

Splitting super contributions

Splitting super contributions could help boost the balance for you or your partner.

Learn more

Join us

Everyone deserves the best possible retirement. And we want to help you save for the future that you want.

*Assumptions based on: Starting age of 36, opening account balance of $30,000. Starting salary of $35,000 p.a. Superannuation Guarantee (SG) rate assumed at constant rate of 9.5%. Rate of return on investment of 6.0% after investment fees, costs and taxes. The final amount does not take into consideration any administration or additional fees. All figures are rounded to nearest dollar. $20 per week after-tax contribution and Medicare Levy, assumes LISTO and Government co-contribution payable to age 67. Contributions received quarterly. LISTO received at the end of each year. Tax on earnings and contributions applied at 15%. Salary indexed at 2.5%. Inflation applied at 2.5% to calculate Future Value, all figures in today's dollars. $59.82 per week based on life expectancy to age 94. This example is an illustration only and is not guaranteed. Actual outcomes may differ. Investments may go up or down. Visit the HESTA calculators to work out how much $20 a week could make a difference to you.