Simple steps to understanding your super

Super can be complex. RBF has provided these simple steps to assist you to understand your super and help you to get the most out of the many benefits available.

Step 1 - Find out about RBF products and services

To maximise your super you need to consider all your options. You may be able to improve your super by using products and services such as salary sacrifice.

RBF offers easy, free of charge options to help you learn more about your super including:

  • an extensive range of brochures and fact sheets about our products and services;
  • Member Benefit Statements;
  • workplace presentations; and
  • personal interviews.

RBF can also provide information about:

  • your super;
  • RBF products and services;
  • improving your super; and
  • retirement options.

If you would like information about your super, which is not available on this website, please contact us to explore your options.


Step 2 - Understand the many RBF benefits


Important things to focus on:

How to become involved with your super:


Step 3 - Simple techniques for improving your super

Important things to focus on:

How to become involved with your super:

  • read and keep your yearly Member Benefit Statement;
  • track the growth of your super at any time by looking at your account details on the member secure website;
  • read some information about super in our Forms and Publications page;
  • provide your tax file number to ensure we can accept your personal non-concessional (after tax) contributions and so you do not pay additional tax arising from not providing your tax file number
  • make an appointment to talk to a Superannuation Consultant by calling the RBF Enquiry Line on 1800 622 631.



Step 4 - Planning to maximise your RBF retirement savings

Important things to focus on:

  • do you know what your entitlements are likely to be at retirement?
  • do you understand how contribution caps impact the amount you can contribute and the tax you may pay on your contributions?
  • are you eligible to buy back or upgrade service?
  • what are your lifestyle expectations for the future?
  • do you know how tax and Centrelink impact on your retirement?

How to become involved with your super:

  • attend a personal interview with a Superannuation Consultant for information on how your super is tracking.



Step 5 - Using your RBF retirement savings


How to become involved with your super:

  • review your entitlements and/or pension regularly.



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.