Super is Australia’s tax-advantaged retirement system. Employers pay Super Guarantee; you can add salary sacrifice or after-tax contributions within caps.
Contribution Caps
Concessional (pre-tax) and non-concessional caps apply—excess contributions can trigger extra tax. Check ATO for current limits.
Investment Options
Most funds offer balanced, growth, and indexed options. Lower-cost indexed options suit long horizons.
Conclusion
Consolidate multiple accounts to reduce fees. Review insurance inside super separately from investment choice.