Need advice?

Members can access free general advice by contacting SuperPhone 1300 360 373. However, our service representatives are not licensed to provide personalised advice.

If you would like additional or personalised financial advice, you are free to choose any financial planner you want.

The APSS Trustee has a relationship with State Super Financial Services Australia Limited, trading as ‘StatePlus’ (StatePlus), who are a licensed financial planning group (ABN 86 003 742 756, AFS Licence No. 238430). General advice is available over the phone or at a face to face appointment with a StatePlus financial planner at a location convenient to you. These services are particularly valuable for those considering retirement, resignation or redundancy. This initial consultation is provided without cost or obligation by StatePlus. To access these services, call 1800 620 305. If using this service, remember that StatePlus is responsible for the advice given to APSS members under this arrangement.


Contributions limits

As an incentive to help you save for your retirement, super enjoys concessional tax treatment. However, there are limits on the amount of contributions that can be made to your super each financial year that are taxed at concessional rates. If you contribute more than these limits you could potentially pay extra tax.

You can find out the latest information about contribution limits by reading our Superannuation taxes fact sheet for the current tax year, or visiting the ATO website’s Contributions caps page.

In summary, different limits and tax consequences apply, depending on your age and whether the contributions are:

You may wish to link directly to the ATO’s information about:

Monitoring your annual super contributions in the APSS (and any other super funds you are a member of) is your responsibility, so it’s important you check your contributions regularly. You can check your total contributions in the APSS for the financial year to date on this website (using your APS number and PIN). To start, stop or change your contributions to the APSS, download the Change your regular super contributions form. Alternatively, call SuperPhone on 1300 360 373 and ask for a form to be sent to you.

Important reminder

You can only make after-tax contributions to your APSS account if we have your tax file number (TFN). If you would like to provide the APSS with your TFN, just complete and return the Provide your Tax File Number form. You can also provide your TFN by calling SuperPhone on 1300 360 373.