Overview
The Super SA Triple S Scheme is the primary superannuation arrangement for South Australian public sector employees. It is an "untaxed" scheme, meaning that tax is generally deferred until you withdraw your funds, allowing your balance to potentially grow faster through compounding returns on a larger initial amount.
Key Features
Untaxed Environment: No tax is paid on employer contributions or investment earnings while your money stays in the fund (up to the Lifetime Untaxed Plan Cap).
Contribution Flexibility: Includes standard employer contributions (currently 11.5%) with the option to add personal salary sacrifice or after-tax contributions.
Tailored Insurance: Access to default Death, TPD, and Income Protection (IP) insurance, with options to increase cover or fix benefit amounts.
Investment Choice: Nine investment options, from Cash to High Growth, including a Socially Responsible option.
Who it May Suit
South Australian public sector employees building their wealth.
Individuals who value a government-backed, tax-deferred accumulation environment.
Members who require integrated, competitive insurance cover.
How Humble Goode Can Help
The "untaxed" nature of Triple S is its greatest benefit, but also its greatest complexity. We support you by:
Managing your Lifetime Untaxed Plan Cap ($1.865m for 2025/26) to avoid unexpected tax hits on exit.
Navigating the Automatic Acceptance Limit (AAL) for Income Protection ($122,000 salary) to ensure high earners are actually covered.
Strategy around the 60-day rule: Ensuring that if you leave the public sector, your insurance doesn't accidentally cancel.
Maximising the compounding effect of the tax-deferred environment through targeted salary sacrifice.
Documents and Resources
Access the latest official Triple S documentation via the Super SA portal:
Why Professional Advice Matters
While Super SA provides excellent schemes, they do not provide personal financial planning. Their role is to provide information about their products, not to tell you which strategy is right for your life.
At Humble Goode, we bridge that gap. We look at your Super SA entitlements in the context of your entire financial world—your family goals, your other assets, and your dreams for the future.
Advisory Fees – What to Expect
Professional financial advice is an investment in your future. To ensure you receive a comprehensive and tailored review of your Super SA position, we charge an initial consultation fee of $330.00 (inc. GST).
During this session, we dive deep into your specific scheme entitlements, identify potential risks or opportunities (such as insurance gaps or tax caps), and provide you with a clear path forward. If you choose to engage us for ongoing advice or a full Statement of Advice, this fee may be credited toward your total project cost.
General Advice Disclaimer The information on this website is general in nature and does not take into account your personal objectives, financial situation, or needs. You should consider whether the information is appropriate for you and read the relevant Product Disclosure Statement (PDS) before making any investment decision. Humble Goode Financial Pty Ltd (ABN 69 142 070 808) is an Australian Financial Services Licensee (AFSL 349026).