Find out more about super contribution types and how much you can contribute , noting limits apply and if you exceed caps, additional tax and penalties may apply. You can join us on:. Taxation issues are complex. You should seek professional advice before deciding to act on any information in this article. The super health check is provided by AWM Services and is general advice only. It does not consider your personal circumstances.
You can read our Financial Services Guide online for information about our services, including the fees and other benefits that AMP companies and their representatives may receive relating to products and services provided to you. You can also ask us for a hardcopy. Consolidate your super. Find your lost super. Changing jobs.
Nominate beneficiaries. Early access. Seminars and education. Why retire with QSuper. How much super do you need to retire. Access your super When can you access your super Withdraw your super. Award winning. Find out more. Performance Overview Graphs Unit prices. Online investment advice. Compare options. Change your investment options. How QSuper invests. How much insurance cover do you need. Change or cancel your insurance. Make an insurance claim. What is your super question? Member Online.
Username: Forgot username? Password: Forgot password? Products Expand. Super Expand. Consolidate your super Grow your super Expand. Salary sacrifice Super co-contribution Voluntary contributions Spouse contributions Contribution caps Tax deductions. Retirement Expand. Show download pdf controls. Show print controls. Your superannuation basics This is a basic guide about superannuation and covers: What is superannuation?
How do I save super? How is money paid into my super? What if my employer is not paying the correct super? Should I be wary of promoters offering early access to super? How do I choose a super fund? How do I keep track of my super savings? How do I increase my super?
How do I access my super benefits? More information What is superannuation? End of example. Peter employs Sue. Peter pays Sue on the 1 July — the minimum super contribution for Sue for the pay period is:. Example: working out the correct super contribution rate — fortnightly pay period crossing over financial years. Peter pays Sue on 8 July — the minimum super contribution for Sue for the pay period is:.
Ordinary time earnings OTE is the amount your employees earn for their ordinary hours of work. It includes:. Check a specific type of payment with List of payments that are ordinary time earnings.
Your employee's ordinary hours are the normal hours they work, unless their hours are specified in an award or agreement. If you can't determine the normal hours of work such as for casual workers , the actual hours the employee works are their ordinary hours of work.
The Fair Work Act's definition of ordinary hours for workers not under an award or agreement caps them at 38 hours. This definition does not override the super laws above. If you pay a contractor mainly for their labour, you calculate SG on the labour component of the contract.
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