Depending on your circumstances, there can be a few disadvantages.
First, if you increase your standard contributions after tax and you are on a salary package type contract, you may end up with less in your take-home pay.
Secondly, increasing your standard contributions via salary sacrifice can be tax-effective, but it’s not right for everyone. Find out more.
When you make standard contributions and meet the eligibility criteria, you will receive a higher level of automatic insurance cover – but this level won't change whether you contribute 2% or 5%.
There are limits to how much extra you can put into your super fund each year – the contribution caps – and if you go above the limits, you'll pay your marginal tax rate on them.