Simple steps to understanding super

​​Super can be complex. RBF has provided these simple steps to assist you to understand your super and help you to get the most out of the many benefits available.

Step 1 - Find out about RBF products and services

To maximise your super you need to consider all your options. You may be able to improve your super by using products and services such as salary sacrifice.

RBF offers easy, free of charge options to help you learn more about your super including:

  • an extensive range of brochures and fact sheets about our products and services;
  • Member Benefit Statements;
  • workplace presentations; and
  • personal interviews.

RBF can also provide information about:

  • your super;
  • RBF products and services;
  • improving your super; and
  • retirement options.

If you would like information about your super, which is not available on this website, please contact us to explore your options.

Step 2 - Understand the many RBF benefits

Important things to focus on:

How to become involved with your super:

Step 3 - Simple techniques for improving your super

Important things to focus on:

How to become involved with your super:

  • read and keep your Annual Member Benefit Statement;
  • track the growth of your super at any time by looking at your account details on the member secure website;
  • read some information about super in our Forms and Publications page;
  • provide your tax file number to ensure we can accept your personal non-concessional (after tax) contributions and so you do not pay additional tax arising from not providing your tax file number;
  • make an appointment to talk to a Superannuation Consultant by calling the RBF Enquiry Line on 1800 622 631.

Step 4 - Planning to maximise your RBF retirement savings

Important things to focus on:

  • do you know what your entitlements are likely to be at retirement?
  • do you understand how contribution caps impact the amount you can contribute and the tax you may pay on your contributions?
  • are you eligible to buy back or upgrade service?
  • what are your lifestyle expectations for the future?
  • do you know how tax and Centrelink impact on your retirement?

Attending a personal interview with a Superannuation Consultant is a great way to become involved in your super and gain information on how your super is tracking.

Step 5 - Using your RBF retirement savings

Become engaged with your super and review your entitlements and/or pension regularly.

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