Changes to super from 1 July 2025
07 May 2025
4
min read
Keep on top of your super by understanding the key changes from 1 July 2025.
Here’s a summary of some changes to super that might affect you.
On 1 July, the Superannuation Guarantee (SG) rate increases from 11.5% to 12%.
By law, in most cases your employer must contribute 12% of your ordinary time earnings1 salary in 2025-26 into your super fund. This contribution is known as the Superannuation Guarantee contribution.
So, what difference could the SG increase make to your retirement? Try our Super Projection Calculator to check how much super you're on track to end up with, what sort of income you can expect in retirement, and how long your super might last.
Insurance premiums are changing from 1 July 2025. How or if this impacts you depends on your age, occupational rating, and types of insurance cover you hold.
The Product Update you receive from us will outline what the premium changes mean for you.
| Average death cover premiums |
Average TPD premiums |
Average Income Protection premiums |
| Decrease |
Increase |
Decrease |
There is also an update to some insurance terms and definitions we are changing. Full updated terms and definitions are outlined in the Product update (QSuper) May 2025.
Learn more about the insurance we offer, and learn how to work out if the amount of insurance cover you have is right for you.
Your super's one of the biggest investments you'll ever have, so it’s important to make the most of it. From 1 July last year we introduced a suite of new investment options, to give you simple and flexible choices.
This year there are no changes to the options offered, but there are changes to some investment timeframes, risk labels and asset allocations and to the investment fees and costs, transaction costs and cost of product. These are detailed in the Product update (QSuper) May 2025.
You can also learn more about investment timeframes, risk labels, asset allocations and fees and costs on our website.
You might like to get financial advice
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1. Ordinary time earnings (OTE) salary is generally what you earn for your ordinary hours of work, including commissions, shift loadings and selected allowances, but not overtime payments. ATO List of payments that are ordinary time earnings, at ato.gov.au accessed 31 March 2025.