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Employer contributions

For most people, your employer pays money – ‘contributions’ – into a super account over your working life for you to live on when you retire from work. They pay these contributions on top of your salary and wages. 

How does it work?

Generally, your employer is required to pay an amount equal to 10.5% of your ordinary time earnings into your super account. This requirement is known as the Superannuation Guarantee (SG). This is set to gradually rise over the coming years. As an employee, you usually choose the super fund you'd like your employer to contribute to.

What do you need to do?

If you're already a Super Savings member and you'd like your employer to contribute to your Super Savings account, just complete the Selecting Australian Retirement Trust form and give it to your employer. If you’re not sure where your employer is paying your super, check with your payroll department.

And don’t forget, if you want your employer to put extra into super from your pre-tax salary, you can set up a salary sacrifice scheme. This means you get more super and could pay less tax… a win/win!

Learn more about your employers superannuation obligations.