How Super Works

Superannuation is simply a tax-effective investment structure to help you save for a secure retirement. At CSC, we work to invest your funds in a way that works for you and helps secure the future you want for you and your family.

What’s Super?

Superannuation, or Super, is an ongoing way to save for a secure retirement, and the lifestyle you want for you and your family. It’s important that your Super keeps growing. That’s why employers are required by law to contribute a percentage of your income to your Super. This money is then pooled and invested in ways that suit your attitude towards growth and risk.

Adding to your Super

Our members take their future seriously. We do too. Beyond your employer contributions, MilitarySuper members have options to put more money into their super by increasing their contribution rate or making additional contributions to an Ancillary account.

See the contributions page for more information.

Using your Super

Generally, you can only withdraw all of your Super when you reach your preservation age, which can differ depending on when you were born, and retire. However, in some situations you may be able to access your MilitarySuper benefit earlier.

See the withdrawing your benefit page for more information.

What about risk?

MilitarySuper is a hybrid defined benefit and accumulation superannuation scheme. This means part of your Super benefit is defined by a set formula. This formula is based on:

  • Your length of service
  • Final average salary


The remaining portion of your Super is subject to investment earnings, and all investment comes with some level of risk. That risk might include things like changing conditions in the industries your money is invested in, the effect of changes in the value of currency or general risks connected to the nature of financial instruments like derivatives.

We know everyone views and tolerates risk differently, so in your MilitarySuper scheme, there are four investment options to choose from. By default, your Super is invested in the Balanced option which aims for a smoother pattern of returns with a medium to high level of risk.

For more information and if you want to change your investment option, see the Investment Options page, or the MilitarySuper Product Disclosure Statement.

Super and Tax

Generally, Super can be taxed when making contributions, on investment earnings and when accessing your Super.

For more information, see the Tax factsheets.

Share this article

Next, I'd like to know more about...

Advice and Tools

We give you the resources to maximise your super and plan your retirement.

Learn more

Your investment options

Learn the nuts and bolts of how your super scheme is designed and how it’s performing.

Learn more


The information and inspiration you need to make the most of your retirement.

Learn more

Thanks for visiting our website.

Would you like to provide some feedback for us?