PSSap is an accumulation superannuation scheme. Its balance reflects contributions and investment returns, less tax, fees and other costs. It is different from the PSS defined benefit scheme.
Contributions: before tax and after tax are different
Members may be able to make additional contributions through salary sacrifice or personal payments. An after-tax contribution does not automatically reduce taxable income. A personal deduction requires eligibility, a valid notice of intent, the fund’s acknowledgement and compliance with the relevant timing and other rules.
Contribution limits, age rules, existing employer contributions and access to money outside super all need consideration. Extra contributions do not guarantee a higher overall financial outcome.
Employer contribution arrangements
The Department of Finance describes PSSap employer contributions as 15.4% of superannuation salary and notes employers may contribute more. The rate and salary base applying to a particular job should be checked against its employment arrangements. A member’s voluntary contributions are separate from the employer’s obligations.
Other choices and fund rules
Members can consider the investment options, insurance arrangements and beneficiary nominations available under the fund’s rules. Investment options carry different risks and can lose value. Insurance changes may involve eligibility requirements, underwriting or exclusions. A nomination’s effect depends on its type, validity and scheme rules.
Fees, investment management and available features are set out in the current product disclosure statement and associated documents. Comparing funds involves the full package of costs, benefits, insurance and services, rather than an assumption that either a public-sector or retail fund is better.
A review need not mean a switch
Reviewing existing arrangements can identify questions to explore. It does not mean contributions, cover, investments or funds should automatically change.
Access Wealth Group provides superannuation advice in Canberra, online and by phone. Book an initial consultation to discuss our advice process.
Reviewed 12 November 2026. Sources: Department of Finance: PSSap; CSC: Additional contributions.
This article provides general information only and does not take into account your objectives, financial situation or needs. It is not personal financial advice. Consider whether the information is appropriate for you and obtain personal advice before making financial decisions. Where relevant, read the current product disclosure statement before deciding about a financial product. Rules and tax treatment can change.