Take a strategic and nurturing approach to investing
Just as a garden thrives in the right location, quality soil, and proper care, your financial future hinges on making similar strategic choices. By thoughtfully selecting suitable investments, maintaining a well-balanced portfolio, consistently making contributions, and vigilantly tracking your progress, you can nurture the growth of your super over time. Whether you're interested in tax-saving strategies, contribution limits, or government schemes, we provide all the necessary information and tools, including calculators, to project likely financial outcomes.
Contribution limits: understanding your options
Are you eligible to add to your super, and how much can you contribute?
Learn about the contribution caps, the work test, and downsizing to make informed decisions about growing your super.
Before-tax contributions: reducing taxes, growing savings
Add to super from your before-tax salary (also called Salary Sacrifice), you could reduce your taxable income and reduce your tax bill, while growing your retirement savings.
Discover the benefits, contribution caps, how to make contributions, and what to do if you decide to make a tax deduction.
After-tax contributions: reducing taxes, growing savings
Add to super from your take-home pay or personal savings after income tax has been paid.
Discover the benefits, contribution caps, how to make contributions, and what to do if you decide to make a tax deduction.
Government superannuation co-contribution scheme: boosting savings with Government help
For every dollar you put into super from your after-tax pay, the government may match it with up to 50 cents.
Find out your eligibility for the government co-contribution scheme and how it can supercharge your savings. Designed for low to middle income earners to help boost their retirement savings.
Spouse contributions: tax benefits for partners
Learn about the potential tax benefits of making super contributions to your spouse's super.
Explore how you and your spouse can optimise your retirement savings.
Contribution splitting: tax benefits for partners
Learn about the potential tax benefits splitting specific contributions to your account.
Explore how you and your spouse can optimise your retirement savings.
First Home Super Saver Scheme
The First Home Super Saver Scheme (FHSS) is a unique opportunity for first-time home buyers. With this scheme, you can use your super to save for your first home, potentially enjoying tax benefits and making your dream of homeownership a reality sooner.
Downsizing a family home
If you're 55 years old or older and meet eligibility requirements, you may be able to choose to make a downsizer contribution into your legalsuper account of up to $300,000 from the proceeds of selling your home.
Women and super
Women in Australia are currently retiring with less super than men, despite their longer life expectancy.
Claim a tax deduction
By making personal or voluntary contributions after tax, you can reduce your taxable income, potentially leading to lower tax payments depending on your earnings bracket.
