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Career breaks

Keep working towards your retirement goals through your career break.

If you’re working less, you may be saving less for retirement

Starting a family, travel, career changes, escaping the daily grind, illness: life is full of unexpected opportunities and surprises that don’t necessarily have to set back your super savings.

Whatever your situation, if you’re working less, you’re generally also saving less for retirement. But with a bit of careful planning, you can still build up your retirement savings, and be working towards your retirement goals.

After, or during, a period of reduced working, you may want to consider making catch-up payments to your super. A few small changes can set you on the path for a more comfortable retirement. 

Before tax contributions

Depending on how much you’re earning through the year, salary sacrifice could be a tax effective way of boosting your super, while paying less tax. 

Learn more about salary sacrifice

After tax contributions

Reap the benefits of compounding interest, with the added benefit of Investment earnings being taxed at 15%. 

Learn more about after tax contributions

Contribution splitting & spouse contributions

There could be benefits of managing your super together, especially if one spouse has a higher income. 

Read about the benefits of making super contributions to your spouse’s super, or splitting certain contributions that have been made to your own account.

Learn more

Government co-contributions

If you add money to your super account, the Federal Government could match your contributions. 

You may be eligible to get the $500 Government co-contribution.

Check if you are eligible 

Speak with a Client Service Manager

How do you know if your super is on track? If you’d like some help working out how much you’ll need in retirement, setting your goals, and understanding how to achieve them – we’re here to help. 

Find a service option that suits you.