Contribution splitting allows you and your partner to share your super so that lower-income, or non-working, spouses can build up their retirement savings.
Contributions that can be split include:
- 85% of your Superannuation Guarantee contributions
- 85% of salary sacrifice contributions
- some after-tax contributions.
You can split your contributions with your spouse if they’re:
- Under their preservation age
- Between their preservation age and 65 but have not yet retired.
Contribution splitting is available to:
- Married couples
- People in de facto relationships (including same sex partners).
Contribution splitting only applies to future contributions, not to existing balances. You can request to split contributions once a year.
If all this seems a little complicated, remember our Member Services team can talk you through contribution splitting and answer all of your questions. Just call them on 1300 65 18 65.
For more detailed information, download the How super works booklet.
If you want to talk to someone about making any type of contribution, call us on
For personalised advice tailored to your needs, consider talking to a Financial Planner.
The information provided is of a general nature. In providing this information we have not taken into account your objectives, financial situation or needs. Further, we recommend that professional financial advice should be sought from a qualified adviser with regard to your objectives, financial situation and needs before considering or acting on the appropriateness of the information given.