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Enjoy the tax benefits of super both before and during retirement
Superannuation tax rates are generally lower than tax on income and investment earnings outside of super. This makes super one of the most tax-effective ways to save for your future, with benefits you can also enjoy today.
While there are rules around when you can access it, as an investment, super can give you tax advantages – both before and during retirement.
If you’re a QSuper member, make sure you give us your tax file number (TFN). Otherwise, you may pay more tax – up to 47% on your before-tax and employer Superannuation Guarantee (SG) contributions. If you provide your TFN, we can also accept eligible voluntary after-tax contributions from you.
Check your details in Member Online.
For more information on how superannuation is taxed, read our Tax Explanation factsheet.
There are some limits to how much you can contribute to your super fund each year. If you go above these limits, you may pay extra tax, so it's worth understanding how they work.
When it comes to making the most out of super's tax advantages, getting professional guidance can help.
As a QSuper member, you have access to financial advice from QInvest.5
1. If your income plus before-tax contributions is more than $250,000, an additional tax of 15% will apply to your before-tax contributions that exceed the threshold.
2. Includes the Medicare Levy of 2%
3. After-tax (non-concessional) contribution limits apply. Read more about Contribution caps.
4. By claiming a tax deduction on your after-tax (non-concessional) contributions your super fund will treat them as before-tax (concessional) contributions. They will be subject to 15% contributions tax and count toward your before-tax contribution cap.
5. QInvest Limited (ABN 35 063 511 580, AFSL 238274) is a separate legal entity responsible for the financial services it provides. Advice fees may apply. Refer to the Financial Services Guide for more information.