Changes to super from 1 July 2025
Keep on top of your super by understanding the key changes from 1 July 2025.
Here’s a summary of changes to super that might affect you.
More money for you
On 1 July the Superannuation Guarantee (SG) rate increases from 11.5% to 12%. In most cases your employer must contribute 12% of your ordinary time earnings1 salary in 2025-26 into your super fund. This contribution is known as the Superannuation Guarantee (SG) contribution.
So, what difference could the SG increase make to your retirement? Try our superannuation calculators to check how much super you're on track to end up with, what sort of income you can expect in retirement, and how long your super might last.
Updates to investments
Your super's one of the biggest investments you'll ever have, so it’s important to make the most of it. From 1 July last year we introduced a suite of new investment options, to give you simple and flexible choices – you can view all the options here.
This year there are no changes to the options offered, but there is a change to an investment timeframe, and some risk labels and asset allocations and to the investment fees and costs, transaction costs and cost of product. These are detailed in the Product update (Super Savings) May 2025.
Not quite sure what type of investor you are? You can test your inner investor and see what type of investment options may suit you best.
Insurance update
From 1 July 2025, the definition of ‘limited cover’ is being updated to include more information about the exclusion for pre-existing conditions. Read more about this in our Product update (Super Savings) May 2025.
Learn more about the insurance we offer, and learn how to work out if the amount of insurance cover you have is right for you.
Important: Tailored insurance arrangements may apply to some Super Savings Business and Super Savings Corporate Accumulation accounts. Where those arrangements apply to you, they will be detailed in the Insurance Guide for your Super Savings Business or Super Savings Corporate Accumulation account located on your Plan microsite. Please check this document for your insurance cover and the relevant definitions, including Limited Cover, that applies to you.
You might like to get financial advice
Get the most out of your super and be confident you’re making informed decisions.
1. Ordinary time earnings (OTE) salary is generally what you earn for your ordinary hours of work, including commissions, shift loadings and selected allowances, but not overtime payments. ATO List of payments that are ordinary time earnings, at ato.gov.au accessed 31 March 2025.