Salary Sacrifice

Salary sacrifice is an investment strategy that can be a tax effective way to make superannuation contributions.

• These contributions are paid before income tax is deducted from your salary.

• Making salary sacrifice contributions will not reduce your salary for superannuation purposes.

How are Salary Sacrifice Contributions Treated?

For tax purposes, they are treated like employer contributions, ie. they are subject to 15% contributions tax.

These contributions, net of tax, accumulate in an account in your name. Your salary sacrifice contribution account must be preserved.

There are no charges in providing salary sacrifice. Depending on your circumstances, salary sacrifice may be a more tax effective way to contribute to your super.

Comparing Salary Sacrifice with After Tax Contributions
The online calculator below will compare the effect salary sacrifice could have on your take home pay and superannuation contributions.

For further information about Salary Sacrifice please contact us .

Seek Financial Advice

When considering which strategy is right for you we strongly recommend you obtain independent financial advice before making a decision to ensure you are fully aware of tax and other implications.

Remember, it’s important to talk to your financial planner before embarking on any investment strategy.

How can Catholic Super help?

Catholic Super offers financial and retirement planning services to all members through its wholly owned subsidiary, CSF Financial Services Pty Limited (AFSL 298046). Our professionally trained staff are able to provide these services to all Catholic Super members.

You can find out more about CSF Financial Services Pty Limited in the Fund Features section of this website or you can contact us .