Super & study · AU
Superannuation guarantee (SG)
The compulsory super employers pay on top of wages.
The superannuation guarantee is the minimum super an employer must pay into your fund on top of your wages — 12% of ordinary earnings in Australia. It’s your money for retirement, held in a super fund. If you’re a sole trader you’re not obliged to pay yourself super, but you can, and it can be tax-effective.
Grounded in ATO guidance. General information, not tax advice.
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