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There are many ways you can add to your super, on top of the contributions from your employer.
Paying money into your super from your before-tax salary means less income tax while you grow your retirement savings.
Even small amounts from your after-tax pay each week or month can make a big difference to your savings, and you may be eligible for a tax deduction.
Contributing to your spouse’s super could attract a tax offset of up to $540.
If you’re on a lower income and make after-tax contributions to your super, the Government may reward you by adding even more to your balance.
If you earn less than $37,000 per year, the Government could refund the tax you pay on any before-tax contributions up to a maximum of $500.
While you are working, your employer should pay a compulsory amount to your super.
Some employers, including the Queensland Government, may also make higher contributions to your super.
Making additional contributions to your super is a great way to grow your retirement savings, but there are limits to how much you can add. Too much can mean extra tax, so it pays to understand the contribution caps.
Get advice about making extra contributions to your super over the phone, at no additional cost.1
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1. For Income and Accumulation account members who receive personal financial advice from QInvest (ABN 35 063 511 580, AFSL 238274), the QSuper Board may pay for some or all the advice fee for advice related to your QSuper benefit. Eligibility conditions apply. Refer to the Financial Services Guide for more information.