And it all starts with contributions.

Whether you’re an employee, self-employed, or an expatriate, contributing to your superannuation is one of the most effective ways to secure your financial future.

This section explains who can contribute, how much, and how your contributions can help you achieve important life goals — including home ownership.

Who Can Contribute to PacSuper?

Voluntary contributions allow anyone to become a PacSuper member and start saving for retirement. This includes:
✔ Self-employed individuals
✔ Informally employed individuals
✔ Both expatriates and PNG nationals

Contribution Rates

• Employee contributions: Minimum of 6% of basic gross pay (after-tax). Additional voluntary contributions are unlimited.
• Employer contributions: Minimum of 8.4% of an employee’s basic salary.
• Salary packaging: Employees may negotiate additional employer contributions of up to 6.6%, bringing the total to 15%.

Expatriates are not required to contribute but can choose to voluntarily participate by negotiating a salary package of up to 15% of their basic gross salary.

Note: Independent tax advice is recommended based on your personal circumstances.
Exclusions: Contributions cannot be drawn from overtime pay, allowances, salary sacrifices, bonuses, compensation, or gifts from an employer.

Where Are Your Contributions Invested?

To grow and protect your savings, PacSuper follows a low-risk balanced investment strategy. Your contributions are strategically invested in:
✔ Government securities
✔ Commercial bank interest-bearing deposits (IBDs)
✔ Listed shares

This mix is designed to support steady, long-term growth.

Using Super for Home Ownership

PacSuper isn’t just about your future — it’s also about your life today.

After five years of membership, your employee contributions can be used toward buying, maintaining, or building your principal place of residence.

This unique feature empowers you to turn your super savings into a home — helping you build security, stability, and a stronger financial foundation for the future.