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We've got you covered –with accounts for your working week 1 (PRIME and DIRECT) to accumulate your super savings; and accounts for your weekend 1 (PENSION) – to provide your income in retirement.
Find and consolidate your super
Of all the smart easy actions you can take, combining your super accounts is one of the things you should consider2.
Take back control of your super
No doubling up on unnecessary fees and premiums
More money working for your weekend
Topping up3 your super can be a great way to accelerate your savings, take advantage of government incentives and turn on the turbo power of compound earnings. And it starts with being smart with your Pay As You Earn (PAYE) income4
Top up before PAYE tax
Top up after PAYE tax
Top up with help from your spouse
Meet our smartCoaches and find out how smartMonday compares
Your secret weapon in the war against wasted opportunity! Our smartCoaches are on hand with coaching and advice to help you get your contributions, insurance and investments into shape – at no extra cost.
Watch our video - Get to know the smartCoach
If you change jobs, it’s super easy to take your smartMonday super with you.
Because your super savings are there to fund your ‘weekend’, you can normally only access your super once you’ve reached retirement age. In Australia this is a little complicated…Learn more
1 Source: Spenditude, Wiley Publishing, 2020
2 Before making a decision to consolidate super accounts you should consider seeking personal financial advice and review your financial needs, objectives, and goals and ensure that the insurance cover in your primary fund is adequate for your needs. Any insurance cover available in your secondary fund may be cancelled as a result of the consolidation unless you apply to transfer that insurance into your smartMonday account – subject to acceptance by our insurer.
3 Top ups may be subject to eligibility criteria and contribution limits may apply.
4 Pay-as-You Earn tax (PAYE), is a withholding tax on income payments to employees. Amounts withheld are treated as advance payments of income tax due and are submitted directly to the Australian Tax Office (ATO) by the employer. Australian tax law allows voluntary contributions to superannuation to be made from an individual’s salary prior to withholding tax (PAYE) on that salary being calculated. However, there are limits on the total amount of voluntary contributions that can be made to your superannuation account each year. Contributions paid in ‘pre-tax’ dollars are subject to a 15% contribution tax at the time they are paid into your super account.