Superannuation contributions - the overview

Money can be paid in to your super account in a number of ways - by your employer, by you, and sometimes even by the Federal Government.

Employer contributions

Your employer pays a percentage of your salary as a super contribution.
Find out more about employer contributions.

Voluntary contributions

Most people will struggle to reach their retirement goals without adding to their super. Maybe it's a good idea to pay some extra money into Sunsuper.
Find out more about voluntary contributions.

Government co-contribution

Take advantage of the Government's co-contribution scheme to make your super grow faster.
Find out more about Government co-contributions.

Salary sacrifice

Salary sacrifice means you 'sacrifice' part of your before-tax (gross ) salary as a super contribution.
Find out more about salary sacrifice.

Contributing as a self-employed person

You may be eligible to make personal contributions to super as a self-employed person and claim tax deductions for these contributions.
Find out more about contributing as a self-employed person.

Spouse contributions

If you have a spouse you can help them save for retirement by making contributions to a super fund on their behalf.
Find out more about spouse contributions.

Combine your super into one fund (Rollover)

If you have more than one super account, combining (or rolling over) all of your super may save you money, and can give you more control over your investment strategy and paperwork.
Find out more about combining your super into one fund.

Contribution caps

Caps apply to contributions and any super contributed over the cap amount is subject to extra tax. The cap amount depends whether the contributions are concessional (before-tax) or non-concessional (after-tax). Check out information on contribution caps including the recent changes to concessional contribution caps.