Paul's Money contact us
Super basics

Superannuation, or ‘super’, is a way to save money for your future. It is important to understand how much super you’ll need, and how to best manage the money for your retirement. Through super, you can hold a wide range of investments such as shares, property and cash.

Superannuation is attractive because it receives favourable tax treatment, both when you are working and once you have retired. The government offers these tax savings to encourage you to build your super assets. Employers must pay superannuation contributions on behalf of their employees. You can also choose to add money into superannuation out of your own pocket. If you are self-employed, you can choose whether to contribute to superannuation.

The tax benefits of superannuation include:

Contributions made to super may attract a tax deduction or tax offset.

Investment earnings are taxed at a maximum of 15 per cent, rather than your marginal tax rate of up to 46.5 per cent.

Capital gains are taxed at a maximum rate of 15 per cent.

Your super benefit can be paid as a tax-free pension or lump sum when you reach 60 and satisfy the criteria to access your funds.

let us call you

Providing us with a brief reason for call will streamline our call back process and ensures you have the correct ipac representative handling your enquiry.

Your privacy is important to AMP and to ipac. You may request access at any time to your personal information held by AMP by calling 1300 157 173 or by contacting us direct. Information collected by AMP will be subject to AMP’s Privacy Policy available by clicking here.

* Denotes mandatory fields






Please enter this code below: captcha