• Strong Long-term Returns1
  • Largest & Most Trusted2
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Super to suit the way you work

Embracing new ways of working?
Make sure your super keeps up.

The landscape of work is changing. More Australians are running their own businesses, freelancing, contracting, or joining the gig economy. If you're part of this change, it's important to remember that super will still play a big part in your retirement. There are small steps you can take now, like considering consolidating your accounts4, that could make a big difference to your future.

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Super tips for the self-employed

Working for yourself means being responsible for paying your own super - but when you're flying solo or starting a business that can be the last thing on your mind. You’ll also be responsible for paying super to any employees you take on as your business grows. Learn about your obligations, the tax effectiveness of paying yourself super and the different ways you can contribute to your account. 

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Super tips for the gig economy

If you’re a freelancer, contract worker or part of the gig economy, it can be confusing understanding who’s responsible for paying your super - and when. Make sure you don’t miss out on saving for the future if you need to pay yourself super, learn when you need to make contributions, how to make them and if you’re eligible for government help.  

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A fund that works as hard as you do

With more than 2.8 million5 members and a history of strong, long-term performance1, we’re Australia’s largest, most-trusted super fund2. We don’t pay dividends or profits to shareholders, so the money we make goes back into the fund for the benefit of members.

How your fund performs over the long-term will make a big difference to your savings for the future. At AustralianSuper, we focus on what that performance means for the net benefit of your super. That is, what your overall financial position could be after taking away admin and investment fees – it’s one of the best ways to see how funds stack up.

 

See how AustralianSuper compares

Net benefit to 30 June 2022. Net benefit refers to investment earnings less administration and investment fees and costs. Investment returns are not guaranteed. Past performance is not a reliable indicator of future returns.

The comparison shows what a member would have for 15 years to 30 June 2022, in addition to a $50,000 starting balance and employer contributions, assuming they started with a $50,000 annual salary6.

How to compare super funds

Compare super funds using the free Super AppleCheck comparison tool from independent super research firm Chant West. You can see how our investments, fees, insurance and member services weigh up against other funds on an ‘apples-to-apples’ basis.

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Consolidating super

Do you have multiple super accounts from other jobs prior to working for yourself? You might even have some super accounts you don't know about. Paying more than one set of fees can chip away at your balance. Search for any lost super and consider consolidating your accounts4 to save on fees.

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Calculate how much you may need to contribute

Use our Super Projection Calculator to see how much you’ll need to save for retirement, and how long that money might last. It can also help you figure out how much you may need to start contributing now to reach your retirement goals.

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Start contributing to your account

You can easily make after-tax contributions to your super through the AustralianSuper app or by logging into your account. And don’t forget, for any after-tax payments you make to your super, you can claim a tax deduction of up to $27,500 a year. Just make sure you let us know that you plan to claim a tax deduction before you lodge your income tax return7.

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