The key to preparing for your future is starting now. Take an active role in helping to grow your super by making contributions.

Contributions

Does my employer contribute towards my super benefits?

For Division 5 members, employers must contribute at least the Superannuation Guarantee minimum rate (currently 9.5% of salary).

For Division 2, 3 and 4 members, employers must contribute at the rate determined by the Scheme actuary which is sufficient to fully fund all accrued benefits.

Can I make contributions?

If you are in Division 2, 3 or 4, you may pay ‘member’ contributions (which are linked to the benefit you receive from your employer) as well as ‘additional voluntary’ contributions (which are returned to you with earnings at retirement).  Division 5 members may pay additional voluntary contributions.  For more information please refer to the Member Booklet for your Division shown under ‘Resources/Forms and Publications’ on this website.

How should I pay my contributions?

There are two main ways of making contributions to your super. Depending on your income bracket and other circumstances, one contribution method may be more suited to your financial needs. Contributing using the most tax effective method can make a big difference to your financial position.

Pre-Tax
Post-Tax

Pre-tax contributions

Pre-tax (or ‘concessional’) contributions are where some of your pre-tax salary is exchanged for super contributions (a ‘salary sacrifice’ arrangement). Pre-tax contributions may offer tax advantages for people on a higher marginal tax rate as this type of contribution is taxed at 15% upon payment into the Scheme.

The maximum pre-tax contributions (including your employer contributions) is currently $25,000 per year. Any pre-tax contributions above $25,000 are taxed at your marginal tax rates, and count towards your non-concessional cap.

Post-tax contributions

Post-tax (or ‘non-concessional’) contributions are made to your super after income tax has been paid at your marginal tax rate. This contribution type is not taxed when paid into the Scheme (because you have already paid tax on this money).  The maximum post-tax contributions is currently $100,000 per year (or $300,000 over 3 years under the ‘bring-forward’ rule).  If you exceed these limits, you may have to pay extra tax.

Members with more than $1.6m in total super balances have a non-concessional contribution limit of zero, and will pay tax at the top marginal rate on any non-concessional contributions.

As the Scheme allows members to receive tax advantages by making contributions via salary-sacrifice arrangements, the Board has elected not to permit a tax deduction for personal post-tax contributions.

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For help making the right choices to grow your super.

Which method should I use?

Use our planning tool to compare the benefits of making pre-tax and post-tax contributions to determine which method is best for you.

Planning tool

Make a contribution

It’s easy to make a contribution to your super. Simply download the relevant form below, fill out your choices and email it to us at eiss@mercer.com.

Spouse contributions

If your spouse is also a member, contributions can come from you, your spouse or your spouse’s employer.

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What's next?

Spouse membership

When your spouse is a member, they can also benefit from our low fees and great performance.

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We’re here to guide you through your journey with super, helping you reach your financial goals. From planning and growing, to getting your super, you can find all the information and resources you need to make the changes that suit you.

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