Super for self-employed and sole traders

There are plenty of good reasons to invest in super if you’re self-employed or a sole trader. We’re here to help you take the next steps with confidence and ease.

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Why contribute to super

Why pay yourself super

Whether you’re working on a start-up, in the gig economy or a regular business, saving money into super today could make a big difference to your income in retirement. Use our super projection calculator for an idea of what your future income could look like with or without super.

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Insurance cover is available through your super

Join AustralianSuper’s Personal Plan as a sole trader or self-employed worker, and you can apply for insurance cover anytime and keep any existing insurance you have through super.

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You may be able to claim a tax deduction

Contribute to super from your after-tax income and you may be able to claim a tax deduction the for contributions you make. These after-tax, or non-concessional contributions, are capped at $110,000 for the 2021/22 financial year. You can also make super contributions from before-tax income of up to $27,500 for the 2021/22 financial year, however you can’t claim a tax deduction on these.

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The right fund today could mean more money down the track.

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How to contribute to super in 3 steps

 

Do some super planning

Talking to a financial adviser can help you clarify your financial and lifestyle goals in retirement and steps you can take now to help you get there. It can also help you decide whether you want to contribute to super before-tax (concessional contributions) or after-tax (non-concessional contributions) and how much.

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Pay yourself super when it suits you

If you have a predictable cash flow, it may suit you to set up a regular transfer into super, or you can transfer a lump sum when you have enough cash. Super can be paid into your account via BPAY or direct debit.

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Claim a tax deduction for after-tax contributions you make

You are able to claim a tax deduction for contributions you make from after-tax income up to $110,000 for the 2021/22 financial year. Simply let you super fund know you intend to claim using the Claiming a tax deduction form.

For more information visit ato.gov.au

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