Just like tax, superannuation (or super) is money that employers are required to pay towards your retirement savings. Again, you don’t have to worry about making these payments yourself, your employer will do it for you. But it’s important to know how and when they pay it so you can keep track of these payments. For instance, some employers will include your super contribution on every payslip but make bulk contributions every three months. In addition to compulsory super contributions, you can ask your employer to pay part of your pre-tax pay into your super. This is called salary sacrificing and you’re only taxed 15% doing this. It means you can make contributions to your retirement with less tax.