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Super co-contribution

A super co-contribution is a payment made by the Federal Government to reward Australians who save for their retirement.

People who make personal contributions to their own super will receive a maximum of 50 cents from the Federal Government for every $1 they have paid into their super account up to a maximum of $500.

The super co-contribution is based on the personal contributions you make to your super in the relevant financial year. A personal contribution is a contribution to super from an after-tax income.

What contributions qualify for super co-contribution?

Personal (non-concessional) contributions to the following RBF schemes are eligible for super co-contribution:

  • Contributory Scheme;
  • State Fire Commission Superannuation Scheme; and
  • Tasmanian Ambulance Services Superannuation Scheme.

The following super payments do NOT qualify:

  • super payments made by your employer;
  • salary sacrifice (pre-tax) contributions to any scheme;
  • contributions for which a tax deduction has been claimed by a person who is self employed; and
  • contributions made into your super by your spouse or another person.

Where can I get more information about the super co-contribution?

Conditions and limits are subject to legislative change and you should obtain up-to-date information about the Government super co-contribution from the Australian Taxation Office (ATO) by visiting their website www.ato.gov.au/super or contact the ATO on 13 10 20. The ATO online calculator will work out how much super co-contribution you may receive.


How do I make personal contributions to RBF?

As a defined benefits member you can make personal contributions in any of the following ways (forms is available for download the following way):

  • Complete the 'Election to vary contributions' form appropriate to your scheme if you would like a regular payroll deduction. Once completed, return this form to your payroll department or RBF as instructed on the form.

The trustee of the Retirement Benefits Fund (ABN 51 737 334 954) is the Superannuation Commission (ABN 93 598 914 092).

This website is provided by Mercer Outsourcing (Australia) Pty Ltd (MOAPL) ABN 83 068 908 912, Australian Financial Services Licence #411980 on behalf of the Superannuation Commission ("Trustee") ABN 93 598 914 092 as trustee for the Retirement Benefits Fund ("Fund"). The Fund comprises the Contributory Scheme, the Contributory Scheme CPA, the State Fire Commission Superannuation Scheme, the Tasmanian Ambulance Service Superannuation Scheme, the Parliamentary Superannuation Fund and the RBF Life Pension.

Information provided on, and available from, this site does not constitute financial or taxation advice. The information does not take into account the individual objectives, financial situation or needs of any individual and we recommend that you obtain investment and taxation advice specific to your investment objectives, financial situation and particular needs before making a financial decision.

You should seek independent financial and taxation advice to determine if an investment is appropriate to your individual circumstances.

The Trustee pays a fee for the provision of this service however this fee is not conditional on you using this service or acting on the information or advice provided through this service.

Please read the Terms and conditions for further information about your use of this website.