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Adding to your super while you’re still working
Discover different approaches to top-up your retirement savings.

It’s never too late to boost your super

Even as you get closer to retirement, adding to your super now can still make a big difference. Plus there’s tax savings too. The returns your super earns is taxed at 15%, compared to up to 45% in the highest tax bracket.

With your savings invested and compound interest still boosting your bottom line, contributions now all add up to make a significant difference. Adding to your super on the final run to retirement could make the difference you’re looking for, to lead the lifestyle you deserve.

Tax smart strategies

There are a number of ways to increase your super balance while you’re still working. Simply choose which contributions suit your work situation and lifestyle. Check out the video on ways that could work for you.

John’s story: after-tax contributions

John gives his super a boost before retirement by making additional super contributions.

Here’s how he tops up his super.

Read John's story
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Anne’s story: work less and top-up your super
It sounds too good to be true, but with a Retirement Transition account, Anne can get the best of both worlds.
Read Anne's story
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How contributing to your super makes a difference1
  • After tax contributions don't have a 15% contributions tax on entry (unlike before tax contributions)
  • Grow your balance, even with small amounts
  • Maximise the earning power of your final working years
  • Increase your confidence for retirement
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Get contribution advice
Talk to a super and retirement expert at no extra cost[AD2] to understand contribution options and the impact they can have on your retirement income. They’ll walk you through it over a friendly video call.
Request a call back

Where to next?

Make an after-tax contribution
Ready to bump-up your super balance? It’s easy. Simply log into the mobile app or Member Online.
Log in to Member Online
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Retirement Transition account
Aged 60–64? A Retirement Transition account lets you access some of your super while you’re still working.
Find out more
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Explore other options
Everyone’s situation is different. Explore ways to boost your super before retirement and choose what suits you.
Explore other options
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1 Before contributing, consider the relevant superannuation thresholds including the current annual limit for all before-tax contributions and after-tax contributions. Exceeding any of these thresholds, may reduce any tax benefits you could receive. For further information see aware.com.au/grow.

[AD2] Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee.

Past performance is not an indicator of future performance.