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When you start a job, you can usually either choose a super fund or let your employer choose for you

To ensure you have the lifestyle you want in retirement, it is important that you manage your super across all your working life

There are several ways you can grow your super to make a positive difference to your lifestyle in retirement

You can boost your super by adding your own contributions to your super fund.

Salary sacrifice is an arrangement with your employer to forego part of your salary or wages in return for your employer providing benefits of a similar value

If you’re eligible for super guarantee (SG) contributions, your employer must pay the minimum SG contribution based on the current super guarantee rate, being 10.5% of your ordinary time earnings

If you think your employer isn’t paying your super contributions, follow the steps below

You can get your super when you retire and reach your ‘preservation age’ — between 55 and 60, depending on when you were born

A self-managed super fund (SMSF) is a private super fund that you manage yourself

Most people can choose which super fund they’d like their super contributions paid into.

How much tax you pay on your super contributions and withdrawals depends on, your total super amount, your age, and the type of contribution or withdrawal you make