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Stay updated about changes to your super

Changes occur in superannuation on a regular basis and information in our Product Disclosure Statements and Member Guides may need to be updated from time to time. This section is to inform members about changes to the information in these documents, which are not materially adverse.

Update to current information

New rules applying to superannuation contributions and work test

Documents: Product Disclosure Statements (PDS) and Booklets
PDS: dated 1 Nov 2021 - FutureSaver
Booklets: dated 1 Nov 2021 - How super works; How super is taxed


The government has announced changes to rules that apply to Superannuation Guarantee (SG) contributions, the First Home Super Saver Scheme, Downsizer contributions, work test, and bring-forward contribution rules for after-tax contributions. The table below details the rules applicable before 1 July 2022, which are disclosed in the documents above, and the new rules that apply from 1 July 2022.

Change Before 1 July 2022 From 1 July 2022 onwards
You’ll no longer need to earn $450 or more in a calendar month to receive Employer Super (SG) contributions from your employer 
A person has to earn at least $450 in a month to be eligible for Employer Super (SG) contributions.
The minimum earnings threshold of $450 per month will no longer apply. This means all employees, regardless of how much they earn, are entitled to receive Employer Super (SG) payments into their super accounts.
The withdrawal limit for the First Home Super Saver Scheme (FHSSS) is increasing The maximum you can save and withdraw using your super account under the FHSSS is $30,000. The maximum you can save and withdraw is increasing from $30,000 to $50,000.
The age you can make Downsizer contributions is reducing People aged 65 and over can contribute up to $300,000 to their super following the sale of their home. Couples could be eligible to contribute up to $300,000 each.
You will be able to make downsizer contributions from age 60 instead of age 65.
Changes to the work test for people between age 67 and 74 People age 67 to 74 can only make extra super contributions (ie not SG contributions) if they meet the Work Test rules:

The Work Test
To meet the work test you must be employed for at least 40 hours over 30 days. (The 30 days must all be in the same financial year the contributions are made).
You won't need to meet the Work Test when making extra contributions.

Instead, you will only need to meet the Work Test (or work-test exemption) if you claim a tax deduction on personal contributions.
The age you can use the Bring-forward contributions rule is increasing

The bring-forward contributions rule allows you to contribute up to three years of after-tax contributions ($330,000) in any one year if:

  • you're age 67 or younger, and
  • have a total super balance less than $1.48 million
You will be able to use the Bring-forward contributions rule up to age 74 instead of up to age 67.


Minimum pension drawdown

Document: Product Disclosure Statement (PDS)
PDS: dated 1 Nov 2021 - Flexible Income


The Product Disclosure Statement above currently disclose that in 2019, the government temporarily reduced the minimum pension drawdown amounts by 50%. This was in response to the economic effect of COVID. The minimum pension drawdown is the minimum amount you must withdraw from your pension account each year. This amount depends on your age and is a % of your total balance.

The government had planned to return the minimum pension drawdown amounts back to pre-COVID levels from 1 July 2022. It has now extended the reduced minimum pension drawdown level for another year. This means the drawdown amounts will stay the same for the 2022/23 financial year.


Updated information for VicSuper Flexible Income Product Disclosure Statement (PDS) dated 1 November 2021

1. Change to minimum investment amount

The date the current minimum investment amount of $10,000 will increase to $20,000 has changed from 31 January 2022 to 26 April 2022. This change amends the Flexible Income PDS as follow:

Page 5 - the below rows in the table ‘VicSuper Flexible Income at a glance’, is changed as follows:

 VicSuper Flexible Income without the
Transition to Retirement feature
VicSuper Flexible Income with
the Transition to Retirement feature
Who can join? Anyone who has access to an unrestricted non-preserved super benefit of at least $10,000 (increasing to $20,000 from 
26 April 2022).
Anyone who has reached their preservation age and has access to at least $10,000 of super benefits (increasing to $20,000 from 26 April 2022).
Minimum investment $10,000 (increasing to $20,000 from 
26 April 2022).
$10,000 (increasing to $20,000 from 
26 April 2022).
 Other Contributions  You cannot make additional contributions, transfers or rollovers once you start receiving income payments from your account. You may therefore like to consider combining all your super before opening your VicSuper Flexible Income account. You can do this through a VicSuper FutureSaver account.

If, after you open your account, you have other super funds from which you want to draw an income, you can open a second VicSuper Flexible Income account (as long as the starting amount is at least $10,000) and at least $20,000 from 26 April 2022. Note that if you open a second VicSuper Flexible Income account, separate fees will be charged to both of your accounts.

2. Change to minimum balance requirements

The minimum balance requirements that are disclosed to come into effect from 31 January 2022, will now take effect from 26 April 2022. This change amends the Flexible Income PDS as follow:

Page 9 - under the heading ‘VicSuper Flexible Income’

Paragraph two is changed to read – “To be eligible, you must have unrestricted non-preserved super benefits (unless you have elected the TTR feature) of at least $10,000 (increasing to $20,000 from 26 April 2022) or have met a condition of release.”.

Page 16 – under the heading ‘Minimum balance for partial transfers and withdrawals’

The subheading ‘These minimum balance requirements will change from 31 January 2022 as follow’ is changed to read - “These minimum balance requirements will change from 26 April 2022 as follows”.

Updated 25 March 2022

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