ADF Super is what you will currently gain as you become an ADF member, it is accessible from age 60. I was assisted setting mine up by the admin staff at my first unit. When you can access your own account you can find the ‘make extra contribution’ section and your unique account details.

I consider it to be an excellent investment tool. Whatever your fortnightly pay, you will get a pre-deductions 16.4% match put in. That is taxed at 15% in the fund.

ADF Super has multiple benefits. Some of these are:

• Switch investment strategies depending on your risk tolerance and time left to serve
• Built in Life Insurance and Medical Discharge protection (free)
• Low management fees
• Sets you up for a better retirement than anything the UK Gov offer since the end of AFPS75

For non-serving dependents HOSTPLUS has low fees and the best 1,3,5,10 and 20 year returns in Australia currently. Averaging 8.3% PA. (I am not affiliated with Hostplus, I do not benefit from recommending them) For alternatives, please see Choosing-a-super-fund.

Depending on your circumstances, using all contribution allowances to compound your money can make millions of dollars difference to your ADF Supers final balance.

Your final ADF Super balance will depend on how much you put in early, how much you continue to contribute and the biggest factor:  TIME