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.

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With both you and the Government adding to your account you could be thousands of dollars better off

Here's an example of how it works:

Mandy is 30, and earns $30,000 a year. She and her husband are planning a family over the next few years which means she’ll be taking a couple of years off. Mandy has an idea that she’ll retire at 65, and didn’t think she needed to contribute any additional money to her super. At this rate, with a few years off after the family gets started, she’ll have a benefit of around $335,000.

Adding just $20 a week to her account could see her almost a quarter of a million dollars better off! Why the difference? As well as making her own extra contributions, the Government through the co-contribution has topped-up Mandy’s account. For the next few years it is worth $20 extra a week, but when the co-contribution reaches its matching rate of 150% it will be worth an extra $29 a week. As shown below over time this makes a big difference.   
graph for gs web site 1
  

Don't get caught short - start making your contributions early so you don't miss out. Click here to find out how.

 

Calculations based on an investment return of 6% per annum (net of all fees, expenses and taxes) and compounded over 35 years (not including inflation on salary, with a four year career break between age 34 and 37 in which no super contributions will be paid). Salary has not been indexed. The temporary reduction in the co-contribution between 2009/10 and 2013/14 has been taken into account. This information is of a general nature only and eoes not consider your individual objectives, circumstances or needs. The past performance information included is not a reliable indicator of future performance. We suggest you consider this information in light of your own circumstances, and seek financial advice if required.