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Are you a contractor or a small business owner? If so, TWUSUPER, Australia's Industry SuperFund for people in transport and logistics, can help you save for retirement.

How you join TWUSUPER depends on your company structure (if you're a sole trader or incorporated company or trust).

Sole trader

You can join TransPersonal and choose how much you want to contribute to super, within the contribution limits.

You may be able to claim a tax deduction on personal contributions you make to your super.

If you're over 65, a work test applies for making tax-deductible contributions. Other criteria apply - see Claiming a tax deduction to find out more.

Insurance cover

As a sole trader you can apply for affordable death and total and permanent disablement (TPD) cover and income protection cover through TWUSUPER.

Join TransPersonal

If you'd like to join TransPersonal or discuss your insurance needs, please call us on 1800 222 071 between 8am and 8pm (AEST/AEDT) weekdays.

Incorporated companies and trusts

The Super Guarantee (SG)

If your business is an incorporated company or trust, you're required by law to pay eligible directors and employees at least 9.5% super. This requirement also means that you must pay yourself the SG, if you are the owner of the incorporated company or trust. SG payments are generally taxed at 15% of income rather than at your marginal rate.

SG is a deductible expense for the company.

Insurance cover

If you are eligible, you can take advantage of affordable Death and Total and permanent disablement (TPD) cover and Income protection cover through TWUSUPER. See Insurance for more information.

Join TWUSUPER as a member 

If you'd like to join TWUSUPER, please call us on 1800 222 071 between 8am and 8pm (AEST/AEDT) weekdays.

Join TWUSUPER as an employer

For more information about joining TWUSUPER as an employer and setting up employee payments, see Employers.

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