How super works
Visit the sections below to learn the fundamentals about superannuation
As a first step, the following are key articles that describe how super works
Set out below are the latest articles that relate to how super works.
Salary sacrifice and super: How does it work?
Forgoing some of your salary into your super through a salary sacrifice arrangement can have valuable tax benefits and help boost your retirement nest egg.
Superannuation rule changes from July 2022 (and previous years)
Navigating your way around the constant rule changes in the super system is tricky, so here’s our annual list of the modifications you need to know about.
Contribution splitting: How to boost your spouse’s super
Splitting your super with your spouse or partner can be a great way to boost your joint retirement savings and possibly save yourself some tax as well.
In your 70s? The super rules that apply to you
If you’re still adding to your retirement savings in your 70s, it’s important to know the super rules, as making contributions becomes tougher after age 75.
Guide to the superannuation work test
The rules for making super contributions after age 67 have been relaxed substantially, but you must still meet a work test for one type of contribution.
In your 50s? The super rules that apply to you
When you reach your 50s, it’s time to get serious about your super, so here’s the key super rules for your age group.
In your teens? The super rules that apply to you
Your first job can be exciting, but it’s important to remember your weekly pay could come with super contributions, so here’s the rules applying in your teens.]
In your 20s, 30s or 40s? The super rules that apply to you
In the early years of your career, there’s a lot competing for your hard-earned dollars. But your super is important too, so here’s the lowdown.
In your 60s? The super rules that apply to you
When you reach your 60s, the rules around making contributions and withdrawals from super start to change, so it’s important to know what’s what.
How the First Home Super Saver Scheme (FHSSS) works
The government’s First Home Super Saver Scheme (FHSSS) can be a handy tool when you are looking to save for your first home. But it’s not for everyone.
Downsizer super contributions: What you need to know
Downsizing and putting the proceeds into super can be a great way to boost your retirement savings without having to meet many of the rules affecting other super contributions.
A super guide to the bring-forward rule
Using the bring-forward rule is a great way to put a larger contribution into your super account in a single year. Here’s what you need to know about the rules.
Income tax calculator (2021-22 and 2022-23)
Our income tax calculator will show you what offsets you may be eligible for, as well as your marginal tax rate and how much income tax you effectively pay.
Superannuation Guarantee (SG) contributions rate and rules
With Super Guarantee (SG) contribution rates changing again, it pays to understand the rules and the rate your employer is required to pay in 2022-23.
Concessional super contributions guide (2022–23)
Concessional contributions make up most of the money going into your super account, so it’s important to understand what these are and how they work.
