Your spouse can help you build your super

Did you know that your spouse can top up your retirement savings and receive a tax offset for themselves?

Spouse contributions involve your spouse making a direct contribution to your super account, and there are a number of benefits for you and your spouse:

  • If you earn less than $37,000, your spouse may receive an 18% tax offset for contributions up to $3,000.
  • If you earn between $37,000 and $40,000, your spouse may receive a partial tax offset if the contribution is under $3,000.
  • You can grow your super balance and help to save for retirement as a couple.
  • Both of you can accumulate wealth by investing in a tax-effective environment.

To more effectively save for retirement as a couple, your spouse can also split their employer contributions with you. However, contribution splitting can only be done after the end of each financial year.

If you would like to know more, or if you’d like us to guide you through the process, call us on 1300 LGSUPER (1300 547 873) between 8.30am and 5.00pm, Monday to Friday.

See our fact sheet Spouse Contributions for more detailed information.


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The information on this website is of a general nature only and does not take into account your personal objectives, situation or needs. You should consider obtaining professional financial, taxation and or legal advice tailored to your personal circumstances prior to making any financial decision.