Superannuation, or super, is money set aside during your working life for when you retire. Your employer must pay a portion of your salary or wages into a super fund for you. This is called a superannuation guarantee contribution. You can make personal contributions into your super, and some employers offer salary sacrifice, where you ask them to take out extra super from your wage or salary. There are many super funds and most people are able to choose their own fund or go with their employer’s fund. Super funds invest your money in things such as shares and property. You can withdraw your super when you are 65 (even if you are not retired), or when you are getting ready to retire. In some cases, you may be able to access your super early. Your super is your money. The better you manage and grow your super, the better lifestyle you will be able to have when you retire.