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Personal contributions

How does it work?

If you have money outside super that you want to invest for retirement, you may want to make an after-tax super contribution.

May be suitable if…

You have surplus cashflow or savings.

What are the benefits?

  • Grow your super.
  • Pay less tax on investment earnings: earnings in super are taxed at up to 15%, instead of your marginal tax rate up to maximum of 47%¹Read disclaimer.

Case study

Important things to consider

1. Includes Medicare levy. 

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General advice and information only

Any advice and information on this website is general only, and has been prepared without taking into account your particular circumstances and needs. Before acting on any advice on this website you should assess or seek advice on whether it is appropriate for your needs, financial situation and investment objectives.

Tax disclaimer

Any general tax information on this website is intended as a guide only and is based on our general understanding of taxation laws. It is not intended to be a substitute for specialised taxation advice or an assessment of your liabilities, obligations or claim entitlements that arise, or could arise, under taxation law, and we recommend you consult with a registered tax agent.