Superannuation


Contributing to Superannuation

Eligibility to Contribute

For contributions, other than mandated contributions made by your employer, such as superannuation guarantee contributions, you need to first be eligible to make the contribution. Eligibility is based on your age and employment situation:

  • People under age 65 can make a contribution to super regardless of their employment situation;
  • People aged from 65 to 70 can make all types of non-mandated or receive compulsory employer contributions but must have been gainfully employed for at least 40 hours in a period of not more than 30 consecutive days in the financial year;
  • People aged 70 to 75 can only make personal or receive compulsory employer contributions but must have been gainfully employed for at least 40 hours in a period of not more than 30 consecutive days in the financial year; and
  • People aged 75 and over cannot make contributions to super, unless they are compulsory employer contributions.

Employers are required to make superannuation guarantee payments for eligible employees of all ages.