• EmployerAccess

    Manage super online -
    easily and securely.

    • Make contributions
    • Manage employee information
    • Send notifications
    • Export reports
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Understanding the Superannuation Guarantee

Most of us will rely on our super to fund our retirements. That’s why employers are generally required by law to contribute to your super. This is known as the Superannuation Guarantee or SG.

Am I entitled to super?

You’re eligible for super if you’re 18 or over and earn more than $450 a month from your employer. If you’re unsure about your eligibility check the ATO’s eligibility tool.

How much super should my employer pay?

Right now the Superannuation Guarantee is 9.50% of Ordinary Time Earnings up to the maximum earnings base. The Superannuation Guarantee contribution rate will gradually increase until it reaches 12%.  The rate of change in the Superannuation Guarantee is currently subject to legislation.

How is super paid?

Your employer pays super contributions into an account in your name within the super fund that you choose. You can choose to join any super fund that complies with regulatory and legislative standards. These funds are known as complying funds.

NESS Super is a complying fund and is also authorised under MySuper to accept default superannuation guarantee contributions from your employer.

Find out more about how a NESS Super account works.

NESS Super also offers a complying MySuper option – NESS MySuper. Find out more.

Accessing your super

Super is designed to help you save for retirement, so you generally can’t access your super until you reach your preservation age. Your preservation age depends on when you were born.