The information contained in this section of the website is provided in good faith as general educational material only and, where applicable, is based on stated assumptions. Any information provided or derived from examples or calculators should not be relied on as a true representation of any actual superannuation entitlements or benefits from any particular fund or scheme.

The information and material on this website is to assist you to gain a broad understanding of superannuation and other general financial matters, is provided for general information only, and has been prepared without taking into account your particular financial needs, circumstances and objectives.  You should not rely on any information or material on this website, and before making any investment decision we recommend that you consider whether it is appropriate to your situation and seek appropriate financial, taxation and legal advice.

Links and frames connecting this website to other websites are provided for your convenience only, and do not mean that Guild Trustee Services Pty Ltd or Guild Financial Services Limited endorse or approve those other websites or their content.

Guild Trustee Services Pty Ltd (the Trustee of Child Care Super), Guild Financial Services Limited and their directors, officers, employees and agents make no representations and give no warranties in respect of, and to the extent permitted by law, exclude all express or implied representations and warranties in relation to, this website and/or the accuracy, currency or completeness of any information or material provided at or through this website.

Please select one of the following:
Home Members How super works for me How much am I entitled to?

Attention: open in a new window. Print

What contributions am I entitled to?

Most employees are entitled to receive super from their employer.

Generally, you will receive super from your employer if you earn $450 or more in a calendar month and you are aged between 18 and 69.

There are a few other eligibility criteria. To check these, visit the Australian Taxation Office website at: http://www.ato.gov.au/.

If you are entitled to receive super, your employer must pay 9% of your earnings base and pay this amount to a complying super fund like GuildSuper or retirement savings account, at least every quarter.  A complying fund is one that meets Government standards.

If your employer doesn't pay your super entitlements on time, the Australian Tax Office may impose financial penalties (including payment of outstanding contributions) on them.  Super must be paid by to a super fund quarterly, by the 28th day after the end of the relevant quarter. (i.e. 28 October, 28 January, 28 April and 28 July).