SG contributions, eligibility & choice of fund
- SG minimum: 12% of OTE from 1 July 2025 (check your award/EA/contract for any higher rates).
- Eligibility: Most employees receive SG regardless of earnings; under‑18s usually need to work more than 30 hours/week.
- Choice of fund: Employers must provide a Standard Choice Form within 28 days of commencement; if you nominate a fund, the employer must contribute to it. If you do not choose, the employer must contribute to a default MySuper fund.
- Awards/EAs: May specify funds, higher employer contributions, salary sacrifice options, or other super terms. The more beneficial term prevails over the SG minimum.