How does super for under 18s work?
Super allows you to save part of your income while you're working, for you to live on in retirement.
If you’re eligible, your employer will automatically contribute money to your super. They must pay a minimum of 11.5% of your ordinary time earnings into your chosen super account. This payment is known as the Superannuation Guarantee.
Understanding how much super you should be paid helps to make sure you don't miss out on any payments.
Under 18 super rules
You're eligible for super payments if:
You’re under 18 and
You work more than 30 hours a week
You work casual, part-time or full-time
It doesn't matter how much you earn.
What's the best super fund for under 18s?
Investing in super is a long-term commitment. It's what most Australians will rely on to provide financial security throughout their retirement.
To choose the right super fund for you, consider the following:
Performance
You want a super fund with good long-term performance and returns.
Insurance
Check the insurance options available through your super fund and how much they cost. This can provide extra protection for you in case of unexpected events.
Fees
Paying high fees can impact your super balance over time, so choose a fund with a focus on lower fees.
Service and support
Can you manage your super online or with an app? You might also want access to financial advice to help you make informed decisions about your super.
Investment options
Your fund should offer you a range of investment options that may include a default option for a hands-off approach, or you can pick your own.
Join one of Australia's largest super funds
What if I'm under 15?
Download the PDS which contains the membership form.
Get your parent or legal guardian to sign off on your membership.
Upload the completed form and documents on our Email Us page.
How to submit the form
- Select ‘Not yet a Member’
- Under ‘I’m looking for help with’ choose ‘Other’
- Upload your signed document and the birth certificate/proof of guardianship
- Enter your name and email address
- Click 'Submit form'
Your super, your choice
Started a new job? Take us with you. There are 2 ways to give your super details to your employer:
- Log into Member Online to send your pre-filled super form
- Download an ART super form and give it to your employer
Take charge of your super
Head to the App Store or Google Play to download our app.
- Get notified when you've been paid super
- Keep track of your super balance
- Quickly find your membership details
FAQs about super basics
Retirement may be a long way off, but a bit of work now can pay off later.
