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Employer contributions

Grow your super balance

If you have an employer, one easy way to grow your super balance is to make sure they’re paying your Super Guarantee (SG for short) into your preferred super account. If you’re changing jobs, don’t forget to set this up with your new employer!

What is Super Guarantee (SG)?

SG is the regular contributions that your employer is required to make into a super fund on your behalf. The amount is based on a percentage of your salary and is set by the Australian Government.

From 1 November 2021, your existing super fund will be ‘stapled’ to you, moving with you if you change jobs. This has been implemented to reduce people paying fees and insurance premiums on unwanted duplicate accounts.

When you commence work with a new employer, your super contributions must be paid to:

  1. Your chosen fund (find out how to nominate Australian Ethical as your chosen fund), or
  2. Your stapled fund (if you have not made a choice), or
  3. Your employer’s default fund (if you have not made a choice and don’t have a stapled fund).

When starting a new job, it is recommended that you provide your chosen super fund’s information to your employer. If you don’t provide a choice, your employer will need to check with the ATO to determine if you have a stapled fund. If the ATO determines that an employee has no existing super fund, the employer can pay SG contributions into their default fund.


What is the SG percentage rate?

From 1 July 2021, the SG amount increased from 9.5% to 10% of your salary. This is part of a staged approach to increase the SG amount to 12% in the coming years to help boost your retirement savings.

Below is how the staged approach will look like:

Date SG%
1 July 2021 10%
1 July 2022 10.5%
1 July 2023 11%
1 July 2024 11.5%
1 July 2025 12%

Am I entitled to super?

Generally, you’re entitled to receive SG contributions if you’re an employee, aged 18 or over and are paid $450 or more (before tax) a month#. Those under 18 are required to work more than 30 hours per week to be entitled to receive SG contributions.

If you think you’re not getting paid the correct amount of super discuss it with your employer or visit the ATO website to recover missed or unpaid super.

#As part of the 2021–22 federal Budget, the Australian Government announced it will remove the $450 per month threshold to expand coverage of super guarantee to eligible employees regardless of their monthly pay. This measure is not yet law. From 1 July 2022, eligible employees who earn less than $450 per month will be paid super guarantee by their employer if they satisfy the other eligibility requirements.

How do I let my employer know about my Australian Ethical Super account?

Nominating Australian Ethical Super as your chosen fund to receive future SG contributions is easy and you have a couple of options:

Via email

Via email

add your name and member number to this email
template and send it directly to your employer

Use email template

Or, via Choice of Super form

Or, via Choice of Super form

or if your employer needs your signature you can
complete and sign this form for them instead.

Things you should know:

  • Your employer is not liable for the performance of the super fund you or they nominate
  • You should not seek financial advice from your employer unless they are licensed to provide it
  • Your employer has two months after you send them the email to action your request

If you’re not already an Australian Ethical member you can join now using the form below and then provide your employer with our details.

Important information

Fund ABN 49 633 667 743
Fund name Australian Ethical Super
Fund address Locked Bag 20013, Melbourne VIC 3001
Phone 1800 021 227
Electronic service address

Broaden your impact

Did you know the carbon footprint of our share investments is 75% less than traditional share investments?* So having your SG contributions with us helps build your balance and can have a positive impact.

*Carbon intensity (tonnes CO2e per $ revenue) of Australian Ethical's listed share investments (as at 31 Dec 2019) compared to blended benchmark of S&P ASX 200 Index (for Australian and NZ shareholdings) and MSCI World ex Australia Index (for international shareholdings).


Ready to make an earth-changingly
positive contribution?

join now

Australian Ethical acknowledges the Traditional Owners of the country on which we work, the Gadigal people of the Eora Nation, and recognise and celebrate their continuing connection to land, waters and culture. We pay our respects to Elders past, present and emerging and thank them for protecting Country since time immemorial.