Investment Choice
How your MilitarySuper benefit is calculated
Your MilitarySuper benefit is made up of two parts:
- employer benefit
- member benefit (including any ancillary contributions*)
* Ancillary contributions are voluntary additional contributions made by a member e.g. salary sacrifice contributions or rollovers from another fund.
Your employer benefit
This is the larger part of your benefit and costs you nothing—it is fully paid for by the Commonwealth Government. Investment returns do not affect this part of your benefit.
Your employer benefit is calculated by applying a percentage based on your length of service to your final average salary (FAS) as shown in the following table:
| Years of service | % of FAS per year of service |
|---|---|
| Less than 7 years | 18% |
| 7 years to 20 years | 23% |
| 20 years onward | 28% |
 |
Investment choice is not available for your employer benefit as the larger part of that benefit is not funded by the government until you retire. |
Your member benefit
This part of your benefit is made up of:
Your contributions
|
+ |
investment returns |
You can choose how to invest your member benefit by selecting one or any combination of the following five investment options:
If you don't make a choice, your member benefit (including any ancillary contributions) will be invested in the Growth investment option, which is the Scheme's default option.
Can I choose the superannuation fund in which my compulsory member contributions are invested?
No. Choice of fund legislation does not apply to partly unfunded government defined benefit schemes such as MilitarySuper.
You can, however, rollover your ancillary contributions to another regulated superannuation
fund at any time or choose a fund to receive any additional superannuation contributions
you wish to make, such as salary sacrifice or spouse contributions.
More Information
Customer Service Centre
For information about your superannuation entitlement, the payment of your benefit or about any other superannuation related matter, contact the Customer Service Centre.
Publications
PDFs can be viewed and printed using the FREE Adobe Acrobat Reader.