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Additional Contributions
Members wishing to make contributions in addition
to the SG contributions being made by their employer have a number
of options.
Types of contributions
-
Voluntary member contributions
(non-concessional contributions) are additional 'after-tax'
contributions you choose to make. These can be made via your
employer or directly to us, but only if AESuper has your
Tax File Number (TFN) on record.
-
Salary sacrifice contributions
are classified as employer contributions (concessional
contributions) and
made from your salary (before employer deducts PAYG tax). These are
always sent to us directly
by your employer.
It is important to note that only Voluntary member
contributions are eligible for the Government
Co-Contribution scheme. Provided you qualify, the Government
will now contribute $1.50 for every $1 of your personal superannuation
up to $1,500.
You can make your own contributions at any time
to increase your retirement savings. Even small contributions
could make a big difference to the amount of money you receive in
retirement. AESuper makes it easy for
you to make contributions:
- Payroll deduction – you can arrange
for your employer to regularly deduct an agreed amount from
your after-tax pay and send it to Australian Enterprise
Super each month
- One-off contributions – you can
make a member contribution at any time by cheque, BPay or
bank debit
- Regular bank debit – you can tell
your bank, building society or credit union to make regular
payments directly to Australian Enterprise Super from your
account
- Salary Sacrifice Contributions –
if your employer agrees, you can make regular personal contributions
from your pre-tax salary. Depending on your salary
and the amount of the contributions you make, this may also
help reduce the amount of income tax you pay.
You can find out more about making personal contributions
to your AESuper account by
contacting one of our consultants on 1800 555 024.
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