Working for yourself doesn’t mean you’re alone. In fact, there’s 1 million other independent contractors 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
Being your own boss 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 now2, could make a big difference later.
At AustralianSuper, we’re with you every step of the way, making it easy for you to manage and add to your super. And because we’re a low admin fee fund3, more of your money goes into your super balance.
A little now could be a lot in the future
Even if retirement feels far away, saving for your future now can pay off. By adding to your super now2 if it suits your personal situation, you could enjoy a more comfortable lifestyle when you finish working. And with power of compound interest, the earlier you invest, the longer your super has to grow.
‡ This case study is for illustration purposes only. The actual benefits you receive will depend on a range of factors including future economic conditions, investment performance and legislative change. Investment performance is not guaranteed. Source: AustralianSuper calculations June 2024. Gross earnings and lump sum contribution assumed to increase at 3.5% p.a. After-tax earnings based on 2024/25 ATO resident income tax rates plus 2% Medicare levy. Investment returns based on 6.5% p.a. after fees and taxes. Administration fee deducted from account balances of $52 p.a. + 0.10% p.a. of your account balance up to a maximum of $350 p.a. Nominal insurance premium of $500 p.a. All figures calculated in today’s dollars by discounting at wage inflation of 3.5% and rounded to nearest $1,000.
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Important information to consider
- ABS, Working Arrangements, Characteristics of Employment, Australia methodology, August 2023
- Before adding to your super, consider your financial circumstances, contribution caps that may apply, and tax issues. We recommend you consider seeking financial advice.
- Source: Zenith CW Pty Ltd (Chant West) (ABN 20 639 121 403). Chant West Super Fund Fee Survey June 2024. Survey compares administration fees and costs for MySuper products for a $50,000 balance. Other fees and costs apply. Fees may change in the future which may affect the outcome of this comparison.
- AustralianSuper Balanced investment option compared to the SuperRatings Fund Crediting Rate Survey - SR50 Balanced (60–76) Index to 30 June 2024. Investment returns are not guaranteed. Past performance is not a reliable indicator of future returns. Returns from equivalent investment options of the ARF and STA super funds are used for periods before 1 July 2006.
- APRA Quarterly superannuation fund level statistics March 2024. Released June 2024.
- Readers Digest Most Trusted Brands – Superannuation category winner for 12 years running 2013-2024 according to research conducted by leading independent research agency Catalyst Research. Ratings are only one factor to be taken into account when choosing a super fund.