CSS Super Financial Advice equals CSS Financial Advice

The CSS Commonwealth Superannuation Scheme needs CSS Superannuation Advice CSS Super Advice CSS Redundancy Advice CSS 54/11 Advice CSS Retirement Advice CSS Financial Advice CSS Advice.

About the Commonwealth Superannuation Scheme (CSS)

The CSS super scheme members rely on Financial Advisers for CSS Superannuation Advice CSS Redundancy Advice CSS Retirement Advice CSS 54/11 Advice and CSS superannuation Financial Advice.  Ways to find a CSS Adviser include.

Handy CSS Superannuation Fact Sheets

The Commonwealth Superannuation Scheme (CSS) was established under the Superannuation Act 1976 to provide superannuation services and products to eligible employees of the Australian Government and participating employers.


The CSS  is an extremely generous superannuation scheme.  It is a hybrid scheme consisting of a Defined Benefit fund and an accumulation fund.  The CSS Superannuation Scheme has been closed to new members since 1 July 1990.


At 30 June 2015, the CSS Superannuation Scheme had 124,193 members (8,396 contributing, 6,200 preserved and 109,587 receiving a pension).


It is optional for working members to contribute to the CSS but contributions play an important role in determining benefits under the 54/11 option.  The 54/11 option uses a different calculation to the Age Retirement benefit calculation.


Investment options are very limited in the CSS.  Options include the Default option (essentially a Balanced fund) and the Cash option but both can play an important role in planning for retirement.


Salary for contribution purposes is determined on the last birthday but salary for benefit calculation purposes is determined on the last day of service.  Importantly, salary for contribution and benefit purposes can be negotiated higher in some circumstances and can include some allowances.


The CSS pays benefits in relation to Age Retirement, Invalidity and Death.  There are also benefit options in relation to Resignation and Redundancy.


Further information is available via the following link or by using the contact us page: