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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, ADF Super members have options to put more money into their Super, whether it’s before their income is taxed, called ‘salary sacrificing’, or after. You might also be eligible for some government contributions to your Super.

Using your Super

Generally, you can only withdraw your Super when you reach your preservation age and retire, which can differ depending on when you were born. However in some cases, you might be able to access a portion of it earlier, so do contact us if you want more information.

What about risk?

Super is a form of investment, 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 ADF Super scheme, there are four investment options to choose from. By default, your Super is invested in MySuper Balanced 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, check the Investment Options page, or the ADF Super Product Disclosure Statement.

Super and Tax

Since Super is a form of income, it’s also taxed by the Australian Government. Generally, Super can be taxed when making contributions, on investment earnings and when accessing your Super in retirement.

For more information, see the ADF Super Product Disclosure Statement.

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