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There are a number of ways you can boost your super before you take a career break

Government incentive

If you earn less than $51,813* you may be eligible for a government co-contribution. The government puts in up to 50 cents for every dollar you contribute to super from your take-home pay, up to a maximum of $500 each financial year.

* 2017-2018 financial year.  Conditions apply.

See: Can the government help boost my super?

How can I grow my super?

Bring your super together

If you’ve changed jobs, it’s easy to collect multiple super accounts and lose track of them. Bringing them all together in one place means it’s easier to keep track and helps you save on multiple fees. By the time you’re retired you could save thousands more dollars in your nest egg.

Before combining your super you should check how it might affect your insurance in your other funds and if they have any exit fees. If you have any questions we recommend you have a chat with a financial adviser.

See: Combining your super made easy

REST has a simple online tool that can help you combine your accounts quickly and easily.

Login to MemberAccess and click the Consolidate super tab

Add a little extra

You can add a little extra to your super account any time. Either from your take-home pay or with the help of your employer, directly from your salary before it’s taxed (salary sacrifice). A little bit now can really add up over time.

Try the Super and Retirement Calculator to see what a difference it could make for you

Available on desktop only


There are specific amounts up to which you can contribute each financial year without attracting extra tax. It’s important to check these limits before you make any decisions.

Maybe your spouse can help

If your spouse earns less than $37,000 each year and you make a voluntary contribution into their super, you may be eligible to receive up to a maximum 18% tax offset on that contribution. The maximum offset of $540 is based on a $3,000 contribution per year.

How can I grow my super?
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