Superannuation is a great way to save money for your retirement and perhaps even buy your own home. It doesn’t have to be complicated or confusing.

Below you’ll find some simple information to help you understand how superannuation works.

At CTSL, we’re also happy to answer questions, so contact us if you want to know more.

About superannuation

A simple explanation of superannuation and the common types of funds or schemes available.

Defined benefit members

An overview of the defined benefit scheme, including benefits, pensions and calculations.

Accumulation members

An overview of the accumulation scheme, including benefits and calculations.


How and when taxes are applied to superannuation funds.

Preservation of benefits

The rules for preserving retirement savings, criteria for accessing your savings immediately, and when to apply for unemployment benefits.