Testimonials


I had no idea where my lost super was or the names of the funds. I just new it was scattered everywhere and I should definitely have more than $3,000 in my super. Australian Super Finder found all 7 of my funds and now my balance is almost $50,000. Thank you so much for getting my super back on track. ? Leonie, Thomastown VIC


Super Facts and Tips

Concessional (Before Tax) and Non-Concessional (After-Tax)

Concessional contributions are payments made with before-tax income. They're called such because income which is directed to super is concessional taxes usually a lower rate of tax than other pay.

Concessional contributions are typically paid by employers, for their employees.

Employer contributions

These are contributions paid by your employer for you. These could be paid at:
• the minimum rate established by the SG (Superannuation Guarantee)
• the minimum rate set by agreement or industrial award, or
• higher than the minimum rate set by your employer.

Salary sacrifice

Extra contributions made from your before-tax income to your superannuation account by agreeing to salary sacrifice.

Self-employed contributions
Voluntary contributions made to your superannuation that you get a tax deduction for, only if you're self-employed.

Super Splitting
Directing a portion of your salary sacrifice or employer contributions to the account of your spouse. These payments count towards your concessional (before-tax) cap.

Low-Income Super Contribution
Government contributions of up to $500 made to your superannuation if you earn less than $37,000 in a year and pay before-tax contributions to a super fund.

If you haven't provided your TFN (Tax File Number) to your superannuation fund, you cannot get the Low-Income Super Contribution. Non-Concessional (After-Tax) Contributions

These are contributions you make with your after-tax income. You've already paid your taxes on those salaries, so no additional tax applies once you pay them to superannuation, provided you do not pay more than the after-tax contributions limit.

Voluntary contributions
Personal contributions made to your superannuation from the take-home pay you to receive. Your employer could pay these for you via a payroll deduction plan, or you directly pay to your superannuation account.

If you haven't provided your TFN (Tax File Number) to your superannuation fund, you can't pay voluntary contributions.

Spouse contributions
Voluntary contributions made to the super of your spouse. If your spouse has a low yearly income, you could be entitled to a tax refund or rebate. These payments count towards your after-tax cap.

Co-Contribution
Government contributions to your superannuation if you have low to middle income, and pay voluntary payments to your superannuation in a financial year.

Superannuation process can be a bit tricky. If you want to spare yourself much of the hassle, opt for the advice of our administrators at www.australiansuperfinder.com.au. Call us at 1300 252 167

All information on this website is of a general nature only. We have not taken into account your financial situation, needs or objectives. You need to make up your own mind and ascertain yourself if it is right for you. We recommend you read the product disclosure statement(s) and the financial services guide before making any financial decision.

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