Who Pays it?

Employers

Employers in Australia are required to contribute the Superannuation Guarantee (SG) minimum of 9% of an employee's earnings base for most employees to a complying super fund.

So, for example if you earn $20,000 a year before tax, an employer will contribute $1,800 a year to a complying super fund (like Child Care Super) on your behalf. In this instance your salary will be $20,000 plus the $1,800.

You

You can contribute extra to your super savings, either on a before-tax or after-tax basis. Contributing extra can make a substantial difference to your super savings. To find out how to contribute extra, see additional contributions.

To find out what a difference an extra $10 a week can make to your super benefit, read about Susan Saver, on page 3 of the Child Care Super Annual Report.