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Voluntary contributions

Making voluntary super contributions may help you secure a great financial future.

Are you making extra voluntary contributions to help grow your super? Even small contributions into your super can make a difference. Would you miss $20 a week?

Whether you have 20 years or 30 years to retirement, saving just $20 a fortnight can make a massive difference to your income in retirement. By using the magic of compounding you can maximise your returns and give your super a boost.2

The magic of compounding1


The light blue sections of the graph show the effects of compounding earnings and the dark blue sections show the regular contribution of $20 per fortnight over 30 years.

Saving $20 a fortnight for 30 years
Total amount paid in by you  $15,654
Total amount invested at the end of 30 years $32,482

1. Assumptions - The above figures are based on projections in today's dollars, assuming an investment earnings rate of 7% p.a. after fees, tax, and inflation (CPI % movement) of 2.5% p.a. The investment earnings rate of 7% p.a. is based on guidance provided to consumers by the Australian Securities and Investment Commission. This guidance suggests a projected earnings rate of 8.5% p.a. for funds with similar asset allocations to the QSuper Balanced (Default) option. An allowance has been made for tax of 6% and QSuper fees [the Accumulation QSuper Balanced (Default) option 2008/2009 MER of 0.73% p.a.] and then rounded to give the rate of 7% p.a. The projection assumes contributions are paid at the beginning of each fortnight, and earnings are calculated and paid fortnightly. Actual investment earnings may differ from the above projected investment earnings. Actual outcomes may vary from the projections. The projections are not intended to be relied on for the purposes of making a decision in relation to a financial product, including a decision in relation to a particular product, fund or strategy. The QSuper Board of Trustees, QSuper Limited, and the State of Queensland expressly disclaim all liability and responsibility to any person who relies, or partially relies upon information or projections from the calculator.

2. In years with negative returns, there will be no earnings to reinvest.

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How to make voluntary contributions

Regular deductions

One-off deposit

  • BPAY® - make a voluntary contribution via internet or telephone banking. Your BPay details can be found in Member Online, on your latest benefit statement, or call us and we can tell you.
  • Cheque or money order - complete a Deposit form, and attach your cheque or money order, then send it to QSuper.
  • In person - vist our Contact Centre and make a deposit in person by cheque, cash or EFTPOS.*

*Deposits by cash are limited to $1,000.