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Maximising your super

When it comes to super, you need to be proactive and prepared. We can help you to maximise your super through strategic contributions and smart retirement planning.

Additional Contributions

Topping up your super can make a significant difference to your final balance. Investing a little more now means you may have a lot more money in retirement. Contributing to super is easy, but it’s important you understand all your rights and options.

First Home Super Saver Scheme

The First Home Super Saver Scheme (FHSSS) allows individuals to make ‘eligible contributions’ to their super fund from 1 July 2017, which can then be withdrawn (including earnings) at a later stage for the purpose of purchasing their first home. 

Generally, any voluntary contributions above minimum mandated amounts—such as salary sacrifice and additional personal contributions—will be classed as eligible contributions. In order to access the funds, the ATO will need to issue a Release Authority, which will specify the maximum amount that can be accessed. However, the scheme rules will determine how much can be released, which may be an amount less than specified in the Release Authority. You should not enter into any contracts until CSC has confirmed with you the amount able to be released under scheme rules.  

For information about FHSSS and eligible contributions, visit the ATO website.


You can also use the FHSSS calculator to see if the First Home Super Saver Scheme might be right for you.
 
FHSSS Calculator

 

Important note for MilitarySuper members

While some contributions paid into MilitarySuper may be classed as eligible contributions under the FHSSS, the MilitarySuper Trust Deed does not currently allow the release of these contributions. Please contact us if you are contemplating making contributions. Importantly, please note, even if the ATO issues you with a Release Authority, CSC will be unable to comply with this request until a legislative change occurs.

Consolidate super

If you have super in other funds, you can combine them, meaning less paperwork and reduced fees which can make a difference to your total super balance when you are ready to retire.

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Find your lost super

More than $11 billion currently sits with the Australian Taxation Office (ATO) in unclaimed super. If you have more than one super fund, there’s an excellent chance that some of this could be yours.

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Financial planning

At CSC, we believe great financial planning is a mix of real listening, decades of experience and making it simple to get the advice you need, how you need it.

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Changes in circumstances

We have lots of practical information relating to major events like redundancy, resignation, invalidity retirement and death

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