Some extra steps
Here are some extra steps you can take to help grow your super.
Find and combine your super accounts
Did you know you can find and then choose to combine your other super accounts, simply by
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to your ANZ Staff Super account?
Having all your super in one place could mean:
• Less fees and admin
• You won’t lose track of your different super accounts over time
• It’s easier to see how you are tracking against your retirement goals when all your super is in one place.
It’s easier than you think
You’ll need your member number and two forms of ID such as your Drivers’ Licence, Medicare Card or Passport.
- When you’ve got these handy, simply
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to ANZ Staff Super member online, go to the Find and combine super page and follow the prompts.
- Before you combine your accounts, it’s important to check whether your other fund(s) will charge any withdrawal or exit fees and whether you will lose any benefits offered by your other fund(s), such as insurance.
- If you want to retain this insurance cover, give us a call on 1800 000 086 to see if you can transfer your cover or apply for extra cover before you combine. Any new or increased cover will be subject to your application being accepted by the insurer and you may need to provide additional health evidence.
If you have any questions, or prefer to find and combine over the phone, just give us a call on 1800 000 086.
Making extra contributions
- Making additional or ‘voluntary’ contributions is a great way to boost your super. Making contributions from before-tax salary is known as salary sacrifice and is subject to agreement by your employer.
- These contributions are treated as employer contributions, so are subject to a 15% contributions tax. Because this may be lower than your marginal tax rate, there may be tax benefits to contributing to your super this way. There are some
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to how much you can contribute this way.
How to make voluntary contributions
- Members who are ANZ employees can manage their super contributions via SuccessFactors Self Service.
- Personal and Partner section members should contact their current employer if they wish to arrange pre-tax or post-tax regular contributions to be deducted from their salary.
- If you need help starting, amending or ending your voluntary contributions, search “manage voluntary super contributions” on PeopleHub (ANZ network access is required).
- Voluntary contributions made from after-tax salary (called non-concessional contributions) are not taxed again when they go into your super. There are some limits to how much you can contribute this way.
- To make lump sum contributions from after-tax money, you can use BPAY (
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for your BPAY or EFT payment details) or send a cheque together with an
Application to make lump sum contributions
form to us.
Government co-contributions
Partners
Partners (including de-facto) of Employee and Personal members can apply to join ANZ Staff Super’s Partner Section. Some of the advantages of an ANZ Staff Super Partner account include:
- Your partner may be eligible for death cover and age-based Total and Permanent Disablement (TPD) cover, and
- There may be taxation advantages by
splitting superannuation contributions
with your spouse
- If your spouse (married or de facto) earns $40,000 or less, you may be able to claim a tax rebate (or offset) for making an after-tax contribution to their super. To be eligible, your spouse must be under age 75. To make an after-tax contribution to your spouse's super, complete the
Making a contribution on behalf of your spouse form
.
- Your spouse may also be eligible for a Government co-contribution on contributions they make to their account.
For more information about the Partner Section, read the
Partner Section Product Disclosure Statement (PDS) and In Detail booklet Opens in new window
. To apply, please complete the
Application for Membership (Partner Section)Opens in new window
in the PDS.