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.

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Home Members How super works for me What is it?

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What is super?

Super is all about saving money now, so that you have funds to support you when you stop working.

Money is paid into your super account by you, and on behalf of you by your employer.

Super is a good way to build your retirement savings because of the special tax concessions that apply to both money paid into super and your account's earnings. (At most your earnings are taxed at 15%.) As this is often much lower than your marginal tax rate, super is definitely worth considering if you want to grow your retirement savings.

Is your super working for you?

It's our job to help make sure that it does.

It's your money, so it is important that you think about how to make it work as hard as possible for you.

To make your super work for you, you might like to consider:

  • Choosing a suitable investment portfolio that meets your needs and is most likely to help you save enough money to live the lifestyle you want in retirement.
  • Using the cost-effective insurance provided through super to protect you and your family's financial futures.
  • Taking advantage of the Government's super co-contributions. It could mean a boost of up to $1,000 to your account. Click here to see if you are eligible.
  • Making additional contributions to your super may make a huge difference to your savings. Even a small amount paid in regularly can see your account better off by thousands of dollars in the long run.
  • Consolidating your super funds to reduce fees you incur by having more than one super fund open.

Further information about making your super work for you can be found throughout this site or you can find an overview of all the features available, including details of the investment portfolios, in the Product Disclosure Statement. If you have any general queries about super, call Member Services on 1300 361 477 8am to 7pm (AEST) Monday to Friday.

If you need personal financial advice, you can be put in touch with a Financial Planner closest to you by visiting our Office Locator.