Make sure your pension keeps up with you

See if you can get a Government super boost while you transition to retirement

If you’re a Transition to Retirement (TTR) member and you earn less than $53,564* pa, you may qualify for a Government top up to your super account…

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It might sound too good to be true, but it’s not.

There are two Government schemes that are designed to help low and middle income earners save more super:

1. Government Co-contribution – for those earning less than $53.564* pa

The Government Co-contribution is a payment made by the Federal Government. It rewards you for making additional after-tax contributions to your super by matching 50% of voluntary contributions made (within limits set by law).

The maximum co-contribution of $500 applies for people earning up to $38,564* who have made a voluntary after-tax contribution of $1,000 to their super account.

The co-contribution then reduces by 3.333 cents for each dollar of income above $38,564. If you make a voluntary after-tax contribution of less than $1,000, the amount of co-contribution applicable will also reduce.

If you are eligible for a Government Co-contribution, it will be automatically calculated by the Australian Tax Office and deposited in your super account each year after you lodge your tax return.

You may be eligible for the co-contribution if:

•you make an after-tax contribution to a super fund in the income year, for which you do not claim a tax deduction

•you receive at least 10% of your income from employment (either as an employee or self-employed)

•you are under age 71 at the end of the financial year in which you make the contribution

•you lodge your tax return for the year in which you make the contribution

•you do not hold a temporary visa at any time during the income year, unless you are a New Zealand citizen or holder of a prescribed visa.

You can check your eligibility and possible Government Co-contribution by using the Salary Sacrifice / Co-contributions Calculator or by calling our Helpline on 1800 640 886.

To get your co-contribution you need to make an after-tax contribution to your super before the end of the financial year. You can do this quickly and easily through BPAY™ with your phone or internet banking. You can find your BPAY™ details on your Media Super member card, by logging into your account online at or by calling our Helpline on 1800 640 886. You can download your digital member card by logging in to your account and following a few simple steps.

2. Low Income Super Tax Offset (LISTO) – for those earning less than $37,000

If you earn less than $37,000 a year and your employer, or you, makes before-tax super contributions, then you can receive a refund (the LISTO) of the contributions tax of 15%. You can receive a LISTO of up to $500. The LISTO is automatically applied after you lodge your tax return with the ATO. To get the LISTO, you need to make sure that you have provided us with your TFN, otherwise a higher marginal tax rate may be applied to all contributions into your super account.


* Applicable for the 2019-20 financial year.


Make sure your investment strategy is right for you

Over time, it’s more than likely that your investment needs are going to change. So keep an eye on how your pension is invested. 

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You can check exactly how your super is invested by logging in to your Media Super account. All you need is your member number (this will be on your latest statement) and your PIN.

If you’ve forgotten your PIN, don't worry, you can reset it online or request a new one from our Helpline on 1800 640 886.

What options do you have?

With Media Super you have a well-rounded range of investment options available to you. From pre-mixed options to single asset classes, and a direct investment option, which allows you to take control and invest in a range of ASX300-listed companies, exchange traded funds (ETFs) and term deposits.

You can choose to have all of your money invested in one option, or spread it across a range of different options.

For more detailed information about your investment options visit the Your Investment Choices page.


Get good advice

We recommend that you talk with one of our Financial Planners* each year to make sure that your pension is keeping up with your needs.

Our Helpline Advisers# can also provide limited advice over the phone.

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Sound financial advice you can trust

At Media Super we want to help you to lead a quality lifestyle. Sound, impartial financial advice is important, and that’s why we offer all of our members the opportunity to meet with our Financial Planners*. Your initial one-hour, face-to-face or telephone consultation is free.

Our Financial Planners fully understand all the considerations that go into managing your money throughout your retirement. They can help you to get your plans in place and change them along the way if you need, and can also help with:

•investing outside of super

•making investment choice decisions

•taxation, Centrelink and Age Pension considerations

•any other financial issues.

After your initial consultation, your planner will provide you with a no-obligation quote for any further advice, based on an hourly rate. Should you proceed, you can then choose to pay the cost of your financial planning from your Media Super account.

Our planners are dedicated to providing high-quality, personalised advice and do not receive commissions.

To make an appointment, call the Helpline on 1800 640 886 or find your local Financial Planner.

Fast advice over the phone

If you want to discuss your investment choices or insurance cover, our Helpline Advisers# can provide you fast, friendly advice over the phone.

Helpline Advisers can help talk through the various investment options available to you and how these match your needs and risk profile. For more complex financial advice, the Advisers will refer you to a Media Super Financial Planner*.

*Media Super has engaged Industry Fund Services (IFS) ABN 54 007 016 195 AFSL No 232514 to facilitate the provision of financial advice to members of Media Super. Advice is provided by one of our Financial Planners who are Representatives of IFS. Fees may apply. Further information about the cost of advice is set out in the relevant Financial Services Guide, a copy of which can be obtained by calling IFS on 1300 138 848. IFS is responsible for any personal advice given to you by its Representatives.

# Helpline consultants providing general or limited advice are representatives of Mercer Outsourcing Australia Pty Ltd (MOAPL) ABN 83 068 908 912, AFS Licence 411980.

Stay in touch

The easiest way to stay up to date is by making sure we have all your correct contact details. Plus, you can sign up for your monthly e-newsletter, Imprint, and follow Media Super on social media for even more news and tips.

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Just head to and log in to your account. All you need is your member number (this will be on your latest statement) and your PIN.

Forgotten your PIN? Don't worry, you can reset it online or request a new one from our Helpline on 1800 640 886.

To receive your quarterly e-news and important updates, make sure we have your email address.

On the phone

If you prefer to do things over the phone, call our Helpline on 1800 640 886 and our team will update your details.

Social media

At Media Super we go out of our way to help our members thrive in all aspects of their life, now and in the future. By following us online you’ll be able to keep up with the key things that are happening in your industry, learn about your fellow members, see what Media Super is doing to help your industry thrive and get useful tips to improve your financial wellbeing.