Contributing to Super
Boost your nest egg
Making additional payments into your super can be an effective way to grow your super balance. This can be done by making after tax contributions from your own pocket or by salary sacrificing. The rules around contributing to super can be complex and confusing so this section of our site aims to provide practical guidance to help our members make the right contributions.
Super contributions before age 65
Superannuation is available to everyone between the ages of 18 and 64 to make contributions without the need to provide evidence of being gainfully employed.
Super contributions from age 65
Contributions may be made to any age. Compulsory employer contributions are contributions the employer is required to pay under Superannuation Guarantee legislation, an industrial Award or a Certified Agreement.
Contributions can be made up to age 75 during a financial year provided the member has worked at least 40 hours in a period of not more than 30 consecutive days in that financial year. Member salary sacrifice (before tax) contributions are deemed to be voluntary employer contributions.
Member non-concessional (after tax)
Contributions can be made to age 75 during a financial year provided the member has worked at least 40 hours in a period of not more than 30 consecutive days in that financial year.
Member contributions on behalf of a spouse
Contributions can be made for a member spouse until that spouse is 65, or prior to age 70 if the spouse has worked at least 40 hours in a period of not more than 30 consecutive days in that financial year.
What is salary sacrifice?
Salary sacrifice is an arrangement between you and your employer where you agree to forego part of your future salary or wages in return for your employer providing benefits of a similar value.
Voluntary member contributions
- Members are able to make personal contributions to their superannuation. These contributions can be paid from your after tax salary or, with the consent of your employer, from your pre-tax salary (the latter is often referred to as salary sacrifice). We recommend you seek advice from your financial adviser if you wish to find out more information about paying member contributions and the arrangements that might best suit you.
- Contributions can be deducted from your pay and sent to VISSF by your employer, or you can send contributions via BPAY. To access your BPAY details, simply login to Member Online where you will find our biller code and your personal reference number. Or contact our Client Services Team if you need more help.
- You may select your contribution amount and you can start or stop making contributions at any time.