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Investment performance

Hey SUPER human! Let’s talk super.

What is superannuation? Superannuation AKA 'super' is money that you regularly set aside for retirement. Over time, this money is put in a mix of investments to help your super grow.

So, how does super work?

  1. From the moment you start working, you’ll have a super account set up. Throughout your working life, this is where money will be added by your employer to go towards your retirement.

  2. Your employer will automatically make contributions to your super*. When you get paid, a compulsory 11% of your income is added right into your super account.

  3. You can add more money to your super account any time you like.

  4. The money in your super account is invested in a range of assets all aimed at growing your balance. The bigger your balance, the bigger your retirement nest egg will be. You can select an investment option that suits you. More on that later!

  5. Your super account can also come with different types of insurance cover that can help you if something happens to you, such as becoming unable to work permanently.

  6. As you get closer to leaving the workforce, you can switch to a Transition to Retirement account. If you’re ready to permanently retire, you can get an Account-Based Pension to start paying yourself a regular income in retirement.


To be eligible for super you must be 18 years or older. If you're a private or domestic worker, or are under the age of 18 you must work more than 30 hours per week.

Before adding to your super, consider your financial circumstances, contribution caps that may apply, and tax issues. Salary sacrifice may affect some Government benefits and employee benefits. Consider getting financial advice before deciding what’s right for you.

Find and combine your super

Check if you have accidentally (or on purpose) become a member of more than one super fund and consider combining all your money in one place.

Grow your super

Make extra payments to your super and you could set yourself up for the best retirement possible.

Changing jobs?

Did you know when you change jobs you don’t need to change super funds? It’s SUPER easy to stay with Child Care Super.

Performance and fees

Here’s everything you need to know to understand the performance and fees of each of our super products.

Page last updated 23 November 2023