top up, up and away

Making extra contributions to your super can boost your retirement balance, especially if you consider the compulsory 9.5% employer contribution is just not going to be enough to satisfy your lifestyle. The government has rules and limits on contributions that you should know.

Voluntary contributions

For as little as a cup of coffee a day, adding extra to your super now may mean more for you later.

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Spouse contribution

If your spouse earns less than $37,000 (up from $10,800 pa) each year and you make a voluntary contribution into their super, you may be eligible to receive up to a maximum 18% tax offset up to $540 on that contribution.

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The Bring-forward Rule

For the 2017/2018 yearit is possible to make up to $300,000 in non-concessional (after-tax) super contributions in a single financial year without you exceeding the non-concessional contributions cap under the bring forward rule depending on your circumstances. It is only available individuals under the age of 65. Chat with one of our Rest Advice* financial specialist for more information.


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* Rest ļ¬nancial advice is provided by Rest advisers as authorised representatives of Adviser Network Pty Limited AFS Licence 232729 ABN 25 056 310 699.

This website is provided by Retail Employees Superannuation Pty Limited ABN 39 001 987 739, AFSL 24 0003, trustee of Retail Employees Superannuation Trust ABN 62 653 671 394, of which Rest Super, Rest Corporate, Rest Select, Rest Pension and Acumen are part. It contains general advice that has been prepared without taking account of your objectives, financial situation or needs. Before acting on the information or deciding whether to acquire or hold a product, consider its appropriateness and the relevant Product Disclosure Statement (PDS), which is available on this website.

Rest Advice is provided by Rest advisers as authorised representatives of Adviser Network Pty Limited AFS Licence 232729 ABN 25 056 310 699

Awards and ratings are only one factor to consider when deciding how to invest your super. Further information regarding these awards can be found at Past performance is not an indicator of future performance. SuperRatings Pty Limited does not issue, sell, guarantee or underwrite this product. Go to for details of its ratings criteria. For further information about the methodology used by Chant West, see