Partnerships are about supporting each other. If your super balance — or your partner’s — needs a boost, there are two different ways that you can do this.
How to boost each other’s super
Contributions you or your partner* make to the other’s super can come from either before- or after-tax money. The processes and benefits for each option vary, and the best option for you and your partner will depend on your circumstances.
Before-tax — splitting concessional contributions
Splitting contributions
You can split certain super contributions paid to your account and transfer them to your spouse’s super. Choosing to split contributions with your spouse could suit you if:
- your spouse is older than you and will have earlier access to their super benefits
- your spouse is younger than you and transferring your contributions to them will increase your age pension benefits
- you wish to boost your spouse’s super balance.
You can split up to 85% of your concessional (or before-tax) contributions — that is, employer, salary sacrifice and deductible personal contributions. Splitting contributions is not available for after-tax contributions.
How to get started
Check your balance
If you’re requesting to split your contributions in your NGS Super account, your account balance following the split cannot be less than $10,000. You can request one split per year.
Check your request timing
If you want to split your contributions, we must receive your application by the end of the financial year after the contributions were made.
Complete a Contribution splitting form
Once you’ve decided on the amount you’d like to split with your spouse (within the limit), simply complete a Contribution splitting form and send it to us.
To find out more about the rules around contribution splitting, read our fact sheet Split super contributions with your spouse.
More information
Consolidate your super
If you're with more than one super fund, you're paying more than one set of fees. Managing your superannuation is a lot easier when it's all in the one place. Find and consolidate any lost super with us online — it only takes a few minutes.
Learn with NGS MoneyCoach
Super contributions
There are a number of ways you can contribute to your superannuation.
Learn moreSuper co-contribution
The super co-contribution is a tax-free bonus from the government to boost your super.
Learn moreSuper investments
When it comes to your super, one of the most important choices you can make is deciding your overall investment strategy.
Learn more