Five ways to keep your super working when you’re not contributing

Here are some ways to keep your super on track, whatever your story

There could be plenty of reasons you’re not receiving regular super contributions right now. The good news is, there are things you can do now to build your super for a better ‘future you’ – including making voluntary contributions, consolidating your super, reviewing your super investments, and getting superannuation advice.

1. Make a personal contribution to receive a government co-contribution

You may be eligible to receive a super boost of up to $500 from the government. How? Contribute up to $1,000 from your after-tax pay to your super to receive a government contribution.

If you’re a lower or middle-income earner, taking advantage of the government co-contribution scheme can be a great way to boost your super. There’s no paperwork, and it’s simple to do.

How to claim

Top up your super via BPAY® from your bank account before 30 June (find your BPAY details in Member Online)
Lodge your tax return, and the ATO will determine if you’re eligible
Receive your co-contribution automatically in your super account.

Boosting your super via BPAY® is the quickest and easiest way to make contributions to your super account. Just remember, there are limits to how much you can contribute to your super each year.

2. Ask your spouse/partner to contribute to your account

There are two ways your spouse can help you build your super.

a. Spouse contributions

Your spouse could make a personal (after-tax) contribution to your super account. They could be eligible to receive up to $540 as a tax offset.

If you earn less than $40,000 per year (including super and benefits), you can build your retirement savings by receiving a personal (after-tax) contribution from your spouse.

Receive a top up from your spouse

First, give your spouse your BPAY® member contribution details (you can find them in Member Online or call us on 1800 005 166. Next, they can contribute to your account via BPAY® — simply enter the details and make the payment.

b. Super split

If your spouse is working, you can receive a portion of their before-tax super contributions — with potential tax savings for your partner.

By sharing some of their regular super payments, you and your spouse can grow both your super together — meaning more money to enjoy the things you love in retirement.

Find out more about Contribution splitting >

3. Find and combine all your super

Consolidating your super means fewer fees, more super.

Your super’s your money. By consolidating it and keeping it altogether, the more it can earn over time.

We can help you find any other super you may have, and combine it to your CareSuper account.

Find out how >

4. Review and choose how your super’s invested

Choose the right investment option, or options, to suit your future goals.

Some things to consider:

Learn the basics — Discover the different investment options available to you, each with different return targets and levels of investment risk.
Your investment timeframe — As a general rule, the longer you plan to keep your super invested, the more risk you may be able to take. On the other hand, if you’re planning to access your super sooner, you might want to consider a lower risk approach.
Your risk level — Investment options with higher levels of risk perform stronger over the long term, but may be more volatile over the short term.
Find out more tips — Read more about investment choice and see examples.

Switch how your super’s invested in Member Online >