How does contribution splitting work?
Contributions splitting allows you to split your super contributions into your eligible partner’s account. Your eligible partner can also split their contributions into your account.
100% of employer SG and pre-tax contributions less the 15% contributions tax payable can be split between partners.
Post-tax contributions are no longer able to be split.
Splits can be made between partners' accumulation accounts within the same super fund, or to another super fund. Amounts split to a partner's account are preserved on entry to the receiving account.
Further information:
- The funds are transferred annually after the end of the financial year in which the contributions were made.
- You can request to split contributions made in the current financial year only if you are leaving the fund or rolling over your entire benefit to another fund.
- Contributions splitting can only be applied to accumulation super arrangements.
- If you are a member of a defined benefit arrangement and have a Voluntary Accumulation Account (VAA), contributions splitting can be applied to your VAA only.
- If your benefit is subject to a family law split, you cannot apply for contributions splitting.
To arrange a split to your partner's account you will need to download and complete a
Telstra Super Contributions Splitting Application form (64kb). If your partner does not currently have a Telstra Super account, one can be established using this form.