Most Australians receive a minimum of 9% of their salary contributed into their super account from their employer. This is known as the Super Guarantee.

While these contributions help your super to grow, they may not be enough to help you save enough for your retirement. Super is one of the best ways to save for retirement as you get tax concessions on contributions and earnings.

Your options include:

• Extra contributions: contribute your own money to super by making regular before or after-tax contributions, one-off lump sum payments or by contributing to your spouse's super.
• Government co-contribution: the Commonwealth government will match part or all of your after-tax contributions, up to $1,000, if you earn less than $61,920 during the financial year.
• Roll-in: consolidate your super funds into one account.
• Find lost super: track down super accounts you may have lost track of from past jobs.

Gold State Super

Gold State Super members can make extra contributions (above their average contribution rate) into a separate West State Super or GESB Super account. Learn more