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If you’re a contractor or small business owner, TWUSUPER can help you save for your retirement. It’s something we’ve been doing to help people in the transport and logistics industry for over 30 years.

If you're a sole trader, refer to the sole trader section below for details about joining, contributing, and how we can help. 

If you're operating as an incorporated company or trust, you can join TWUSUPER online.

  • Sole trader

    Joining TransPersonal and contributing to your super

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

    You may be able to claim a tax deduction on contributions if:

    • you were wholly self-employed during the year, or
    • one or more people you worked for paid you super, but your income (plus any reportable fringe benefits) from those people was less than 10% of your total assessable income and total reportable fringe benefit amounts.

    The funds you are claiming the deduction for must still be held in your super account. If you’re over 65, a work test applies for making tax-deductible contributions. Other criteria apply - see the Tax deduction notification form to find out more.

    To claim a deduction, complete the form and send it back to us before you lodge your tax return. At the latest, we need to receive the form by the end of the next financial year.

    Once we’ve received your form, we’ll send you a confirmation letter and you can then lodge your tax return.

    Join TransPersonal

    Tax deduction notification form

    Affordable insurance cover

    As a sole trader you apply for affordable death and total and permanent disablement (TPD) cover and income protection cover through TWUSUPER. If you're interested in applying for insurance, 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.

    You may be able to then claim a tax deduction by including the payments in your company tax return.

    Affordable 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. For more information, call us on 1800 222 071 from 8am to 8pm (AEST/AEDT) weekdays.

    Join TWUSUPER as a member

    You can become a member of TWUSUPER by joining online.

    If you're making contributions to your TWUSUPER or TransPersonal account, you can use BPAY®.


    Join TWUSUPER as an employer

    For more information about joining TWUSUPER as an employer and setting up employee payments, see the Employer section of this website.

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