When you leave the ADF, you will need to choose a civilian superannuation (super) provider for your employer to make contributions into.
If you’re an employee, you are typically entitled to compulsory super contributions from your employer. From 1 July 2014, these super guarantee contributions must be at least 9.5% of your ordinary earnings, up to the ‘maximum contribution base’.
You should provide your tax file number (TFN) to your employer and/or super fund. If you don’t, your super fund may take extra tax out of your super contributions and will not be able to accept any non-employer contributions.
You can choose between a super fund that manages your super for you or you can set up your own self-managed super fund (SMSF).