All members of the Defence Force are required to contribute 5% of their salary to the Military Superannuation and Benefits Scheme.

Your contributions are paid into an investment fund where they earn interest. Any fees associated with your contributions are met by the employer. Your contributions accumulate separately from your employer-funded benefit.

Your employer-funded benefit is a guaranteed amount and is unaffected by investment conditions. The employer's contribution ranges between 18% and 28% of your salary averaged over your last three years of service based on the following formula:

Enlistment to 7 years  18%
7 years and 1 day to 20 years 23%
20 years and 1 day onwards 28%

For further information please refer to the Military Super Book