Superannuation Guarantee (SG) contributions are compulsory contributions made by your employer.

• Most, but not all, employees receive SG contributions.
• The SG is currently 9% of your salary.
• Between 2013 and 2019 SG will gradually increase to 12%.
• Most employees can choose the super fund these contributions are paid to—your employer will be able to tell you if you have choice.

If you have choice of fund, your employer will give you a Standard choice form when you start employment. This form will give you the details of your employer’s default fund, which is the fund that your contributions will be paid to if you don’t make a choice.

If you are happy to have your contributions paid to your employer’s default fund, you don’t need to complete the form. However, if you want your SG contributions paid to a different fund, you must complete the choice form and return it to your employer.

If you want to change your fund after you start employment, you can ask your employer for a choice form. You are only able to change your choice once a year.

You can ask your employer to make additional salary sacrifice (pre-tax) contributions for you.

Salary sacrifice contributions are made from pre-tax income. Instead of being taxed at your marginal rate, these contributions are taxed at:

• 15% if you earn less than $300,000
• 30% if you earn $300,000 or more (including concessional contributions to super, adjusted fringe benefits and some other items).

This means that if your marginal tax rate is more than 15%, or 30% for higher income earners, you could save tax by making salary sacrifice contributions.

If you wish to make additional after-tax contributions, you can either:

• Ask your employer to deduct the contributions from your after-tax salary and send them to us with their regular employer contributions
• Make contributions by BPAY, direct debit or EFTPOS
• Send us a cheque—don’t forget to include your details, so we can allocate the contribution to your account.

See below for more details on contribution payment methods.

Here are four easy options for you in order to make contribution payments into your Australian Catholic Superannuation superannuation account.

1. BPAY^®

Using BPAY is an easy, paperwork-free way to make personal after-tax super contributions. To make your contribution:

use phone or internet banking through your own banking institution

• quote our Biller Code 444232
• enter your super account number as the customer reference number (CRN) so that your payment can be identified and attributed to your account
• allow three days of processing time.

To find out your account number, login to Members online or call us on 1300 658 776.

Any contribution you make via BPAY will be allocated to your super account according to your current investment option/s and at the buy unit price applicable at the date of receipt.

Please note that:

• we have a daily limit of $150,000 per transaction for receipt of contributions made via BPAY, however, we do recommend that you also check with your own bank or financial institution to find out if there are any limits that they impose in relation to you making BPAY transactions
• BPAY is not applicable for allocated pension members.

Your employer can also make contributions to the Fund via BPAY by quoting our Biller Code 444232 and their BPAY reference number as their CRN. Employers also need to forward a Contribution remittance advice (download below) to the Fund in order that we can correctly allocate contributions to member accounts. Email your completed Contribution remittance advice to cssf@catholicsuper.com.au.

Contact us if you or your employer need help making contributions via BPAY.

® Registered to BPAY Pty Ltd ABN 69 079 137 518

2. Direct debit

By completing a Direct debit request form (download below), you can arrange for regular monthly after-tax contributions to be paid out of your nominated bank account directly into your super account. Your account will generally be debited on the 10th of each month.

3. Cheque

Post or hand-deliver your cheque to us together with a completed Lump sum contribution form (download below).

4. EFTPOS

EFTPOS terminals are located in all Australian Catholic Superannuation offices enabling you to make personal after-tax contributions to your super from your savings, credit or cheque accounts.

We have no daily limit for receipt of contributions made via EFTPOS, but please check with your own bank or financial institution for any limits that they may impose.

You will also need to complete a Lump sum contribution form (download below).