Grow your super

There are a number of ways you can go for gold when it comes to your super. The super you accumulate now provides your income in retirement - the more you save, the more likely it is that you will be able to enjoy the retirement you are dreaming of.

Employer Superannuation Guarantee Contributions are compulsory, but there are a number of other ways you can boost your income in retirement. Not all contributions are treated the same, each has rules, benefits and special considerations.

Some financial advisers suggest a common target for retirement income is around 60% of your salary at retirement.

• Find your super Your super is your hard earned money. We can help you find it, and make it work hard for you.
• Rollover your super Getting the most out of your super might mean consolidating your accounts¹.
• Salary sacrifice Salary sacrifice can be a tax-effective way to grow your retirement outcomes².
• Extra contributions Contributing extra to your super might be tax effective for you².
• Increase your contribution rate A simple way defined benefit members might improve their retirement outcomes.
• Spouse contributions Your spouse can enjoy all the benefits of being an ESSSuper member. Read more about spouse contributions.
• Super co-contributions A Commonwealth Government incentive scheme providing additional benefits.

1. You should check any relevant exit fees you may incur, or any insurance arrangements that may be forfeited, or any other effects this transfer may have on your benefits, before rolling your money into our fund.

2. There are maximum limits on before and after tax contributions which are set by the Government, and if these limits are exceeded you may be liable for additional tax. It is important that you monitor your contribution levels as they may change from year to year. Please read the Product Disclosure Statement relevant to your particular fund, available from ESSSuper, for more information.