• EmployerAccess

    Manage super online -
    easily and securely.

    • Make contributions
    • Manage employee information
    • Send notifications
    • Export reports
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Tax on super

Super can be a tax-effective investment

The Government wants us to save for retirement, so it offers a number of tax incentives to encourage us to invest in super.

Super is an attractive, tax-effective investment for most people. Here are some of the reasons why:

  • Super funds pay a discounted tax on investment earnings.
  • Super contributions are taxed at 15% if they’re made as before-tax contributions. This includes both the contributions your employer makes and any salary sacrifice contributions you yourself make. Any contributions you make from your after-tax pay are tax-free.
    If you earn $37,000 or less, the tax you have paid on your super contributions will be automatically added back into your super account through the Low Income Super Contribution.
  • From age 60 your super is tax-free when you receive it.

Understanding contribution limits

There are, however, limits to how much you can contribute to super. Exceeding the set contribution limits, for both before-tax and after-tax contributions, means you may pay higher rates of tax. Find out more about super contribution limits at the ATO website.

Make sure we have your Tax File Number (TFN)

You don’t have to provide NESS Super with your TFN but if you don’t, any employer contributions and salary sacrifice contributions will be taxed at your top marginal tax rate. And without your TFN, we can’t accept any after-tax contributions you may want to make.

Disclaimer The information contained in this website is up-to-date at the time of its launch. However some information can change over time. The contents are for general information only and do not constitute personal advice. We recommend that you consult with a suitable qualified person before making any financial decisions.