Join now

MembersOnline

Manage your super account anytime.

Log in to MembersOnline

First time accessing MembersOnline?

Register for online access
Find my member number

EmployersOnline

You can login to your VicSuper EmployersOnline account anytime.

Log in to EmployersOnline

Not yet registered for EmployersOnline?

Register now

Make your super work for you

You’d be forgiven for thinking your employer is taking care of super for you and that you don’t need to do anything else. But for most of us, those regular contributions may not be enough to retire comfortably.

The good news is that there are several ways to boost your super, save tax and retire better.

 

Find and combine your super

Consolidating your super is simple. Don't miss out on the benefits of having your super in the same place.

Find my super

 

Before-tax

Generally one of the lowest taxed investments you can make.

Employer contributions


For most of us, our employers are currently required by law to contribute a mandatory 9.5% of our salary into a super fund. It’s called the Superannuation Guarantee. Find out how Superannuation Guarantee contributions work and how much you should get.

 

Salary sacrifice contributions


Salary sacrificing your super contributions involves paying some of your before-tax salary (that’s your income before any income tax has been calculated or deducted) into your super account. Salary sacrifice contributions are generally taxed at 15%.

 

Personal deductible contributions

These are contributions you make into your own super which you can claim a tax deduction in your tax return. They’re available to most members and are an alternative to salary sacrifice. Members who are self-employed or have difficulty accessing salary sacrifice at work may find these a better option.

 

After-tax

Contribute up to $100,000 tax free every year.

Personal after-tax contributions

Personal after-tax contributions are contributions that you make into your super from your take-home pay. That’s what’s left of your pay after income tax has been taken out – and that’s essentially why they’re referred to as ‘after-tax’ contributions.

Spouse Contributions



Spouse contributions are contributions that you make into your spouse’s super account on their behalf, or contributions that your spouse makes into your account. 

Government Schemes

The government co-contribution is a bonus super contribution from the government, specially designed for those on lower incomes as a way of helping to boost their retirement savings.

Got any questions?

Don't sit there wondering - our team members are here to help!