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Picture Book · Investing

Inside or outside super?

Story pages

A man in his forties standing where a park path splits in two directions
Raj has spare money each month. Should it go into super, or into investments in his own name?
A small greenhouse in a garden full of thriving plants
Inside super, investment earnings are generally taxed at up to 15%, and nil once in retirement phase.
A padlocked garden gate with a sunny path behind it leading towards a beach
The catch: super is locked away until you meet a condition of release, such as retiring after 60 or turning 65.
The man handing a set of house keys to his smiling partner outside a new home
Outside super, earnings are taxed at your marginal rate, but you can use the money whenever you like.
A watering can filling a large terracotta pot up to a painted line on its rim
Super contributions have yearly caps. Money invested in your own name has no caps.
Two glass jars on a kitchen shelf
Many people use both: shorter-term goals outside super, long-term retirement money inside.

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General advice warning. This picture book is general information only. It does not take into account your objectives, financial situation or needs, and it is not personal advice. Rules and thresholds change. Before acting, consider whether it is right for you, read any relevant Product Disclosure Statement and our Financial Services Guide, and seek personal advice. Past performance is not a reliable indicator of future performance.

Information as at 27 October 2026. Sources:

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