What's an after-tax personal contribution?
An after-tax personal contribution is one you make yourself. It is separate to the 12% Superannuation Guarantee (SG) contributions that your employer pays into your super account.
You can make after-tax personal contributions by:
- Adding to your super from your take-home salary
- Using lump-sum amounts such as inheritance, lottery winnings or money from selling an asset
Making your own contributions to your super could make a big difference to the amount you have when you retire.
Who can make after-tax contributions?
If you have a GESB Super, West State Super or Gold State Super account, you can make after-tax contributions. You don’t have to be currently employed in the WA public sector.
If you only have a Gold State Super or Gold State Super deferred account with us, we will automatically open a GESB Super account for you.
Thank you for printing this page. Remember to come back to gesb.wa.gov.au for the latest information as our content is updated regularly. This information is correct as at 16 June 2026.