*If your adjusted taxable income (including your before-tax contributions) is more than $250,000 per year, your before-tax contributions will be taxed at 30%, to that extent. This extra 15% tax is sometimes referred to as division 293 tax or div 293 tax. Find out more at ato.gov.au/rates/key-superannuation-rates-and-thresholds
^Starting from 1 July 2019, your concessional contribution cap may be increased by any unused concessional contribution cap amounts carried forward from the last 5 years, provided you satisfy all of the requirements. Please visit ato.gov.au for more information.
†Tax (including the benefit of franking credits, to the extent each option has exposure to Australian equities) is deducted from investment earnings, along with investment management fees, before the crediting rate is determined.