The Super Guarantee (SG) rate is set to rise to 12% on 1 July 2025, marking a major step in Australia’s long-term retirement strategy.

This increase—from the current 11.5%—is designed to strengthen retirement outcomes for Australian workers, especially younger employees who will benefit from decades of extra contributions.

How the Increase Helps You

• Higher employer contributions automatically grow your balance
• More consistent long-term compounding
• Reduces dependence on the Age Pension

Even small SG increases can lead to tens of thousands of dollars more in super by retirement age.
However, the impact also depends on your fund’s performance, fees, investment mix, and insurance settings.

If you’re unsure whether your current super fund is maximising this opportunity, we can connect you with advisers who specialise in helping Australians make the most of these legislative changes.