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It’s time to focus on some resolutions for yourself

A great place to start is getting your super balance looking much healthier. Make a personal contribution via direct debit or BPay today. It’s a great way to invest in your own financial wellbeing.

It’s easy to do online

Top up your super in Member Online in just a few minutes. Make your contribution today.

Boost your super

Grow your super through extra contributions. A bit extra now could add up to a lot more later.

Claim a tax deduction online

Top up your super and complete your ‘Notice of Intent to claim a tax deduction’ form online in a few minutes.

How to add to your super online

Topping up your super is just like paying your future self. You can easily set up one-off or recurring personal, after-tax contributions into your super account via direct debit or BPAY®. And, it’s easy to claim your tax deduction online. See how below:

Making a direct debit contribution

Watch our short video on how to make a direct debit contribution through your Member Online account.

[00:00:00] Want to make a contribution to your super? It's as easy as making a bank transfer, here's how. Log into Member Online and go to the Contributions tab.

[00:00:10] From the dropdown menu select Make a contribution. If you haven't added your bank details, you'll be asked to add them now so we can complete the transaction.

[00:00:20] At the top of the contributions page is information on contribution limits. It's a good idea to have a read through before deciding how and what to contribute. When you're ready scroll down the page to find the next step.

[00:00:35] We're choosing once off. Click continue. Enter the amount you want to contribute and click continue. Review the terms and conditions and tick the box confirming you've read them. Click Submit.

[00:00:49] It's easy to track the contribution you've submitted. Go to the Activity tab and select My activities from the dropdown menu. Here you'll find your contribution.

[00:00:59] Click on Show details to see how it's progressing. Allow about three days for processing and you can check back here to track the progress of your contribution.

Complete the tax deduction claim online

You can complete a Notice of Intent form to claim a tax deduction online. It takes just a few minutes in your Member Online account.  

You should do this once your contribution has processed and hit your super fund account, not before. You can check the status of your contribution, in Member Online. Go to ‘Activities’ tab and select 'My activities.'   

You must process the tax deduction claim online before you lodge your tax return for that year and within a year of the end of the financial year in which you made the contribution.

[00:00:00] If you've made a personal super contribution, it's fast and easy to make a personal tax deduction online.

[00:00:06] Log in to Member Online and go to the Activity tab and from the dropdown menu, select My activities. Here you can check the processing of recent personal super contributions that you've made into your account.

[00:00:20] Then navigate to the contributions tab and from the dropdown menu select Personal contribution tax deduction claim. You can choose to make a new tax deduction or change an existing claim. We're choosing to make a new claim for the 2022 to 2023 financial year.

[00:00:40] Next, simply add the amount you've contributed and click Continue. Review the declaration and if you agree, click to tick the confirmation box. Click Continue.

[00:00:52] The last step is to review the details you've entered. If you need to change any details, click Back. If the details are correct, click Submit. Scroll back up to the top of the page to see a confirmation that your request is submitted.

[00:01:09] You can track your tax deduction claim back in the My Activities area. Click on Show details to see how it's progressing.

How to add a bank account

Watch this short video to show you how to add a bank account to your Member Online, so you can make a direct debit contribution.

[00:00:00] Adding your bank account to your Aware Member Online account makes it easy to make your own super contributions.

[00:00:07] Before you get started, there are some things you'll need to have handy. The mobile phone you've registered to your Aware Super account and two forms of Australian ID.

[00:00:18] Start by logging into your Member Online account and go to the Profile tab. From the dropdown menu select Bank account details.

[00:00:26] To add a new account, click the plus button at the top right of the screen. Enter your name, BSB number and account number. Click Save Details. You then need to review your details and it's worth double checking that these are correct. When you're ready to proceed, tick the confirmation box and click Submit bank details.

[00:00:49] For your security will need to verify your ID. We need two forms of Australian identification from the list of options presented on screen. Select the first form of ID you want to submit. Add your details, check the consent box, then click Verify the details.

[00:01:09] Select a second form of ID and add your details. Click consent and then Verify the details. Click Continue.

[00:01:20] Next, we will send a one time pin to your mobile phone. Enter the PIN number and click Next to confirm.

[00:01:27] Once both your IDs are confirmed, your bank account will be automatically saved and details securely stored.

Other ways to contribute to your super

Aware Super mobile app

Log in to your Aware Super mobile app

  1. Go to ‘Make a contribution’ and select 'contribute now'
  2. Enter your contribution amount and select 'confirm'
  3. Enter your BSB and account details you’d like your contributions to be paid from and select ‘next’
  4. Review your contribution, then confirm you have read and understood the ‘Super contributions rules and cap rules’ and the ‘Direct Debit Service Agreement’, and press 'contribute'

Your contribution will take up to 3 business days to process.

If you don’t have the app you can download it for free from the Apple Store or on Google Play.

BPAY via Member Online

Log in to your Aware Super account to find your BPAY biller code and Customer Reference Number (CRN)

  1. Go to Contributions tab
  2. Select 'BPAY details'
  3. Select a contribution type and your BPAY details will be presented
  4. Copy your BPAY biller code and CRN
  5. Log in to your banking institution, and process your payment via BPAY

How to claim a tax deduction

To claim a tax deduction for personal contributions made from your take home pay, you must complete a Notice of intent to claim a tax deduction for personal contributions form and send it to us. It’s quick and easy to process this in Member Online, and it saves you completing paperwork.

You should do this before you lodge your tax return for that year and before the end of the financial year following the year you made the contribution.

When you make your contribution, it will be initially treated as an after-tax contribution. Once we receive your Notice of intent, it will become a before-tax contribution, and so can be deducted from your taxable income when you do your tax return.  We will deduct the 15% contributions tax that applies. You will receive a letter from us acknowledging that this has taken place. You must receive this acknowledgement before you can claim the deduction on your tax return. 

If you’re less than 67 years of age, you can claim a deduction for personal contributions regardless of your work situation. But if you’re aged between 67 and 75, you’ll need to meet the work test or work test exemption criteria before you can make a personal contribution.

To pass the work test you must have been gainfully employed for at least 40 hours within 30 consecutive days during the financial year in which you make the contributions (or during the previous financial year, under the once-off work test exemption available to individuals with a total super balance under $300,000 at the end of the previous financial year). 

How to make a personal contribution tax claim

Understanding contribution limits

There are limits on how much you can pay into your super fund each financial year. These limits are called 'contribution caps'. There are separate limits for personal after-tax contributions, and for before-tax contributions - these are referred to as the “non-concessional contributions cap” and the “concessional contributions cap”. 

If you have more than one super fund, all your contributions are added up and count towards your caps. If you go over these caps, you may need to pay extra tax.

For more information click here

The benefits of adding to your super 

See how topping up her super helps Mary

45-year-old Mary earns $80,000 a year. By topping her super up by an extra $3,000, she saves $585 on tax now. Plus, she’ll have an extra $4,000 in her super account at retirement1.

Watch the latest video

Join our Head of Retirement, Jacki Ellis, and Head of Investment Strategy, Michael Winchester, as they discuss the latest market activity and investment performance – including how you can best plan and prepare for retirement.

Read our more in-depth market review and outlook

Michael [00:00:00] Hi, I'm Michael.

Jackie [00:00:01] And I'm Jacki.

Michael [00:00:03] We're here to give you an update on your super and how investments have performed recently and what we're doing to grow your super over the long term.

Jackie [00:00:11] We'll also talk about the performance of our two most popular investment options. And for those who are retired or close to it, I'll talk about how to prepare for what's next and how to make the most of your savings.

Michael [00:00:26] This quarter, markets moved up and down, as usual, as investors reacted to different pieces of news. Some weaker economic data from China negatively affected the performance of Australian shares and kept our dollar down. There are positive signs that inflation may finally be coming down, but this might not mean interest rates will come down quickly. Some central banks are suggesting that interest rates could stay higher for longer and that we may not see any rate cuts next year. This caused longer term bond yields to rise over the quarter, now back at levels last seen in 2007. It all added up to a quarter of subdued and sometimes negative performance for many investment options. Remember, though, the short term ups and downs are normal in investing. The important thing is to focus on long term returns to build your super for retirement. Short term dips in your balance can feel concerning, but often the best thing to do is to stay invested and stick to your long term plan. Our High Growth option, the default option for members aged 55 and under returned 11.7% for the year to 30th September 2023, despite a small negative return for the quarter. It's also a strong performer over the long term, delivering 8.5% per annum over ten years. Conservative Balanced, our default option for retirement income accounts, has grown 8.2% for the year to September. The Conservative Balanced option is also performing well over the long term, with a return of 6.6% per annum over ten years. Both our High Growth option and our Conservative Balanced option are top ten performers over ten years to June. Remember, strong long term returns add up over time and can mean more super for your retirement. In fact, about 40% of the income you receive in retirement could come from the return on your investments.

Jackie [00:02:25] When it comes to investing your super if you leave your investment choice to us, we do things a bit differently. As you grow older, we gradually make your super from higher growth, higher risk options, to more conservative options that have more focus on protecting your savings. When you're younger, investing in high growth options makes sense because you have time to ride out the market ups and downs. And when you're older, managing investment risk more conservatively makes more sense. You want to focus on safeguarding what you've worked so hard to build up while still growing your investments. We call this our life cycle approach, and we believe it's the most effective strategy for growing your super over the long term. When you've retired, you need your savings to keep growing, to keep up with the cost of living. That generally mean staying invested in the market and not switching to options you might think are lower risk like cash. It can feel counterintuitive that sometimes taking on less investment risk can actually be quite risky if it means your savings don't last as long as you do. In this graph, you can see that a retired member who stayed invested in our pension option would end up with $4,700 more in income every year than the member who withdrew their money and put it in a bank account. When you're retired, if your savings fall, it's much more difficult to build them up again because you're no longer contributing to your super. That's why we invest differently with our conservative investment options for retirees. So if there's a market downturn, your super will typically fall less than the market. When you look at what makes

a successful retirement, it's all about having a plan. And that's where we can help our members. We can provide expert advice at no extra cost to help you understand things like when you can retire, how much income you'll have to live on, and what you can do now to build your super. Plus you can use our super easy My Retirement Planner calculator to show how your income and lifestyle could look in retirement. If you want to learn more, we recommend that you book a super helpful check in with our experts to find out what super or retirement strategy is best for you.


Everyone's situation is different, and we can't tell you whether you should add to your balance as we haven't considered your financial situation. So, before making additional contributions, you should consider your own personal circumstances and if this is the right thing for you.

1 Retirement balances are rounded to the nearest $1,000 and are stated in today's dollars, deflated using Average Weekly Ordinary Time Earnings (AWOTE) at 4.0% p.a. Retirement age is assumed to be 67. Based on SG of 10.5% for 2022-23 and then increasing each financial year by 0.5% until it reaches 12% on 1 July 2025 (where it will remain at 12%). Based on 2022-23 income tax rates. Investment returns are based on the Aware Super MySuper Lifecycle option, assumed to be CPI + 4% p.a. until age 55, reducing from CPI + 4% p.a. to CPI + 3% p.a. between the ages 55-65 (inclusive) and CPI + 3% p.a. from age 65 onwards. CPI is assumed to be 2.5% p.a. Long-term CPI is assumed at 2.5% p.a. Insurance premium is assumed to be the average for members with default insurance arrangements, indexed with AWOTE of 4% p.a. This example is for illustrative purposes only and is not intended to provide a forecast or guarantee on outcome. It is a broad illustration of the steps a member could take, but the actions appropriate for an individual will vary depending on their personal circumstances. The case study is based on current regulatory requirements and laws, including tax rates, which may be subject to change. Investment return assumptions are for illustrative purposes only and for simplicity assume an CPI plus investment objectives as the return each year throughout the investment period. Actual returns year on year may vary materially and could be negative. If investment returns/inflation are higher/lower, final balances will differ.