{"id":12011,"date":"2026-05-26T10:34:48","date_gmt":"2026-05-26T00:34:48","guid":{"rendered":"https:\/\/investors-admin.raizinvest.com.au\/?p=12011"},"modified":"2026-05-26T10:34:58","modified_gmt":"2026-05-26T00:34:58","slug":"what-payday-super-means-for-your-super-contributions","status":"publish","type":"post","link":"https:\/\/raizinvest.com.au\/investors\/blog\/what-payday-super-means-for-your-super-contributions\/","title":{"rendered":"What Payday Super means for your super contributions"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img width=\"1050\" height=\"525\" src=\"https:\/\/investors-admin.raizinvest.com.au\/wp-content\/uploads\/2026\/05\/PD-super.png\" alt=\"\" class=\"wp-image-12012\" srcset=\"https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/05\/PD-super.png 1050w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/05\/PD-super-640x320.png 640w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/05\/PD-super-1024x512.png 1024w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2026\/05\/PD-super-320x160.png 320w\" sizes=\"(max-width: 1050px) 100vw, 1050px\" \/><\/figure>\n\n\n\n<p>Big changes are coming to how super gets paid in Australia, and if you\u2019ve got a job, it\u2019s worth knowing what\u2019s changing.<\/p>\n\n\n\n<p>The Australian Government is introducing \u201cPayday Super\u201d, which means employers will need to pay super at the same time as your salary and wages, instead of only paying it quarterly. The change is expected to start from 1 July 2026.<\/p>\n\n\n\n<!--more-->\n\n\n\n<p>Right now, many Australians don\u2019t realise their super can sit unpaid for months before it hits their account. Under the new rules, contributions should land much sooner, helping workers keep better track of their retirement balance and potentially grow their super faster over time.<\/p>\n\n\n\n<p>For Raiz users, especially younger investors already building money habits through regular investing, it\u2019s another reminder that consistency matters.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>So, what\u2019s actually changing?<\/h3>\n\n\n\n<p>Currently, employers only need to pay super contributions at least four times a year.<\/p>\n\n\n\n<p>With Payday Super, employers will generally need to:<\/p>\n\n\n\n<ul><li>Pay super at the same time as wages<\/li><li>Process contributions within seven business days of payday , with a few exceptions for new employees<\/li><li>Use the existing superannuation guarantee system, just more frequently<\/li><\/ul>\n\n\n\n<p>The government says the goal is to reduce unpaid super and help Australians earn more through compounding returns over time.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>Why this matters<\/h3>\n\n\n\n<p>At first glance, it might not seem like a huge shift. But getting super paid earlier can make a real difference long term. Here\u2019s why:<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>Your money spends more time invested<\/h3>\n\n\n\n<p>Super works through compounding. The earlier money is invested, the more time it has to potentially grow. Even small delays can add up over decades.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>It\u2019s easier to spot missing payments<\/h3>\n\n\n\n<p>Instead of waiting months to notice something\u2019s wrong, workers will be able to see super contributions landing much more regularly.<\/p>\n\n\n\n<p>That makes it easier to keep track of whether your employer is paying the right amount.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>It could help reduce unpaid super<\/h3>\n\n\n\n<p>According to the ATO, billions of dollars in super currently go unpaid each year. Payday super is designed to help close that gap and improve compliance from employers.<\/p>\n\n\n\n<p><strong>What you should do now<\/strong><\/p>\n\n\n\n<p>You don\u2019t need to take action yet, but it\u2019s a good time to get more familiar with your super setup.<\/p>\n\n\n\n<p>A few easy things you can do:<\/p>\n\n\n\n<ul><li>Check which super fund you\u2019re with<\/li><li>Make sure your employer has your correct details<\/li><li>Review how your super is invested<\/li><li>Keep an eye on contributions when the changes begin<\/li><\/ul>\n\n\n\n<p>And while super is designed for retirement, building healthy investing habits outside super can also help you work towards your shorter and medium-term goals.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>Super, investing and the bigger picture<\/h3>\n\n\n\n<p>For a lot of Australians, super is their biggest long-term investment, but it\u2019s also easy to ignore because it feels far away.<\/p>\n\n\n\n<p>That\u2019s why small, regular investing habits matter.<\/p>\n\n\n\n<p>Whether it\u2019s checking your super balance more often, rounding up spare change into investments, or setting recurring investments through Raiz, consistency can make a difference over time.<\/p>\n\n\n\n<div style=\"height:25px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h3>Ready to take a closer look at your super?<\/h3>\n\n\n\n<p>Raiz Invest Super makes it easy to view your super alongside your everyday investing, all in the one app.<\/p>\n\n\n\n<p>It\u2019s a simple way to stay connected to your long-term money goals, without overcomplicating things.<\/p>\n\n\n\n<p>Investing involves risk. Consider whether Raiz Invest Super is right for you and read the PDS and TMD at raiz.com.au\/super before making a decision.<\/p>\n\n\n\n<p id=\"block-83f3112d-69de-47f1-8a46-34e4d5959ce7\">\ufeff<\/p>\n\n\n\n<p><\/p>\n\n\n\n<hr class=\"wp-block-separator\"\/>\n\n\n\n<h3>Don\u2019t have the Raiz App?<\/h3>\n\n\n\n<p>Download it for free in the App store or the Webapp below:<\/p>\n\n\n\n<div class=\"wp-block-image\"><figure class=\"aligncenter\"><a href=\"https:\/\/3yef.adj.st\/home?adj_t=4emcfc6_1okyyjf&amp;adj_deep_link=raiz%3A%2F%2Fhome&amp;adj_fallback=https%3A%2F%2Fapp.raizinvest.com.au%2F\"><img width=\"351\" height=\"84\" src=\"https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2018\/08\/download-app.png\" alt=\"download-raiz-app\" class=\"wp-image-3372\" srcset=\"https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2018\/08\/download-app.png 351w, https:\/\/raizinvest.com.au\/investors\/wp-content\/uploads\/2018\/08\/download-app-320x77.png 320w\" sizes=\"(max-width: 351px) 100vw, 351px\" \/><\/a><figcaption><span style=\"text-decoration: underline;\"><a href=\"https:\/\/3yef.adj.st\/home?adj_t=4emcfc6_1okyyjf&amp;adj_deep_link=raiz%3A%2F%2Fhome&amp;adj_fallback=https%3A%2F%2Fapp.raizinvest.com.au%2F\">Click to download the Raiz app<\/a><\/span><\/figcaption><\/figure><\/div>\n\n\n\n<p><strong><em>Important Information<\/em><\/strong><\/p>\n\n\n\n<p>This blog has been issued by Instreet Investment Limited (ACN 128 813 016 AFSL 434776) as Responsible Entity of the Raiz Invest Australia Fund (ARSN 607 533 022) and has been prepared without taking into account your objectives, financial situation or needs. Before acting on such information, you should <\/p>\n\n\n\n<p>This blog has been issued by Instreet Investment Limited (ACN 128 813 016 AFSL 434776) as Responsible Entity of the Raiz Invest Australia Fund (ARSN 607 533 022).<br><br>Raiz Invest Australia Limited (ABN 26 604 402 815) (Corporate Authorised Representative of Instreet Investment Limited ABN 44 128 813 016, AFSL 434776) is the promoter of Raiz Invest Super, a Division of AMG Super. The Product Disclosure Statement (PDS), Member Guide and Target Market Determination (TMD) are issued by Equity Trustees Superannuation Limited (AFSL 229757, RSE Licence No L0001458) as Trustee of AMG Super.<br><br>The information has been prepared without taking into account your objectives, financial situation or needs.&nbsp; Before acting on such information, you should conduct your own review or consult a financial advisor before making a decision to invest. Please read the relevant PDS and any associated reference documents before making an investment decision. In accordance with the Design and Distributions Obligations, we maintain TMDs for our Funds.&nbsp; All documents can be found on the&nbsp; Raiz website www.raizinvest.com.au, or calling the Customer Support team on 1300 754 748. Please note that past performance is not a reliable indicator or guarantee of future performance. Historical returns, forecasts, and market commentary are provided for general informational purposes only. All investment carries risk and may result in loss of capital.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Big changes are coming to how super gets paid in Australia, and if you\u2019ve got a job, it\u2019s worth knowing what\u2019s changing. The Australian Government is introducing \u201cPayday Super\u201d, which means employers will need to pay super at the same time as your salary and wages, instead of only paying it quarterly. The change is [&hellip;]<\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_mi_skip_tracking":false},"categories":[4511,4525,19,1,20],"tags":[],"yst_prominent_words":[450,245,233,4463,117,166,125,239,2090,2810,352]}