What is Superannuation?

Superannuation is a smart long-term savings plan that provides Australians with an income when they retire.

During your working life you and/or your employer make contributions to your Superannuation, or Super Fund. The earnings you receive are reinvested and build up value over time.

Generally, the money that you invest in your super fund stays there until you reach retirement, although there are certain conditions under which it can be accessed prior to retirement.

One of the most attractive features of Superannuation is the concessional tax treatment it receives. Pre-tax contributions (such as your employer’s contributions) are taxed at a rate of only 15%. Growth within fund is also taxed at a maximum rate of 15%. This makes superannuation one of the most tax-effective investment vehicles.

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