Work hard today. Save for your future.

Working for yourself doesn’t mean you’re alone. In fact, there’s 1.18 million other Australians just like you1. At AustralianSuper, we understand why people like yourself – contractors, gig-economy workers, freelancers and trade experts – want to be your own boss and focus on what’s important to you.

Every dollar counts when you work for yourself.

Working for yourself can give you freedom and control over your job. But while you’re focusing on the now, it’s important to get your money working for your future, too. Whatever extra you can add to your super balance now, could make a big difference later.

At AustralianSuper, we’re with you every step of the way. We make it easy for you to add to your super and help secure your future. And with a profit-to-member super fund, more of your money goes into your super balance – and stays there.

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Leap across the super gap

You’ve made a great call to work for yourself. More freedom. More flexibility. There’s also more responsibility. For people working for someone else, it’s easy. Super goes into their account every time they’re paid. But when you’re working for yourself, you need to stay on top of your super to save for your future.

Those who make regular contributions have an average balance $30,564 higher than those who don’t.3

 

Jess saved more super and retired with confidence

Even if retirement feels far away, it can pay to save more now. By adding to super now, you can enjoy a comfortable lifestyle when you finish working. And with super’s compounding returns, the earlier and more you invest, the longer and larger it can grow.

At age 32, Jess began working for herself and started putting 10% of her after-tax earnings into her super account. This worked out to $7,452 a year.

At age 32, Jess began working for herself and started putting 10% of her after-tax earnings into her super account. This worked out to $7,452 a year. So by the time she retired at age 67, she had $344,000 in super. If Jess had started adding to her super 10 years later at age 42, she’d only have saved $208,000. That’s $136,000 less super for her retirement.

To see the difference regular contributions can make to your future, use our super projection calculator. It can also show you if you’ll have enough for your retirement needs and estimate how long your super could last.

Use the calculator

3 in 4 self-employed workers save and invest for the future.2

 

Super, tax and how you could maximise your savings

Staying on top of your super saves more for the future – and it can help you save on tax, too. As of 1 July 2021, you can claim a tax deduction on up to $27,500 of after-tax contributions a year. So any money you add to your super up to that amount could be taxed at 15% rather than your regular income tax rate. That could mean extra money sitting in your future pocket.

Download this fact sheet

Strong, long-term performance

When you regularly add money to super, a top-performing fund5 can help take the worry out of planning for your future. AustralianSuper's Balanced option returned 20.43% of the financial year to 30 June 2021, and 9.67% annual return over 35 years. And as Australia’s #1 performing super fund over 7, 10, 15 and 20 years, we’ve got a history of helping members grow their super5.

 

Competitive fees

When every dollar counts, low fees are important. As Australia’s largest, most-trusted6 super fund, we use our size and scale to secure competitive fees for our 2.5 million members.7 So, you can be confident more of your hard-earned money stays in your super balance where it can continue to grow.

 

Secure your future today

Join Australia’s top performing fund to grow your super.

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