We can help you to grow your super
When it comes to super, you need to be proactive and prepared. Maximise your super through strategic contributions and smart retirement planning.
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- CSS
- DFRDB
- MilitarySuper
- PSS
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Building for retirement
As a PSS member, it's important to understand the benefits of this scheme, and how you can make the most of your super. What you do with your PSS membership options could mean the difference between living a modest or comfortable retirement lifestyle.
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Retire at Age 55 |
Retire at Age 60 |
Retire at Age 65 |
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Note: The above is a simplified example based on full-time employment with the APS. It only shows how the Pension is impacted by personal contributions. It is based on a number of assumptions and does not consider other factors which would also affect the Pension, including, for example:
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10 yrs contributory service |
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0% Contribution Rate |
9% |
10% |
11% |
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5% Contribution Rate |
18% |
19% |
21% |
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10% Contribution Rate |
22% |
24% |
26% |
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20 yrs contributory service |
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0% Contribution Rate |
18% |
20% |
22% |
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5% Contribution Rate |
35% |
38% |
42% |
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10% Contribution Rate |
48% |
52% |
57% |
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30 yrs contributory service |
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0% Contribution Rate |
28% |
30% |
33% |
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5% Contribution Rate |
53% |
57% |
63% |
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10% Contribution Rate |
73% |
80% |
88% |
Add extra money to your super
When it comes to your retirement, little things can make a big difference – from what you save, to what you contribute. Learn about how you can add more to your super.
Add a little extraFind and combine your super
Finding and combining your super accounts can mean less paperwork and reduced fees, which may make a difference to your total super balance when you retire.
Get your super sortedConsider your investment options
Take the time to understand your investment options and how your super is invested in them.
Consider your investment options
What else can you do to grow your super for retirement?
So, you have your PSS under control. But there are other ways you can save for retirement—this is where a PSSap Ancillary account can help.
Learn more about What else can you do to grow your super for retirement?Small change, big gains
Saving a little bit more now can have a big impact to your super. Use this calculator to see how many little extras you could do without, and how much money you could potentially add to your super by reducing your spending.
Raiz Partnership
It's now easier than ever to make additional contributions to your PSSap account. If you use the Raiz app (formerly Acorns - spare-change investment app that helps you save and invest money), you can move your earnings directly from Raiz to PSSap. To set it up, select PSSap/ADF Super in the Super Fund menu under Settings, then provide your PSSap/ADFSuper member number.