Super SA Triple S Scheme (SSS)

Overview

The Super SA Triple S Scheme is the primary superannuation arrangement for South Australian public sector employees.

It is classified as an untaxed superannuation scheme, meaning tax is generally deferred until benefits are withdrawn. This structure allows balances to potentially grow more efficiently through compounding returns on a larger pre-tax amount.

Key Features

  • Untaxed Environment
    Employer contributions and investment earnings are not taxed while funds remain in the scheme (up to the Lifetime Untaxed Plan Cap).

  • Contribution Flexibility
    Includes standard employer contributions (currently 11.5%) with the option to make salary sacrifice or after-tax personal contributions.

  • Insurance Protection
    Members have access to default Death, Total and Permanent Disability (TPD), and Income Protection insurance, with the ability to increase or tailor cover.

  • Investment Choice
    Nine investment options are available, ranging from Cash to High Growth, including a Socially Responsible investment option.

Who It May Suit

  • South Australian public sector employees building long-term retirement savings

  • Individuals seeking a government-backed superannuation structure

  • Members wanting integrated insurance cover within their super fund

How ODV Private Wealth Can Help

The untaxed structure of Triple S offers powerful advantages but also introduces complexity.

At ODV Private Wealth, we assist clients by:

  • Managing the Lifetime Untaxed Plan Cap to avoid unexpected tax outcomes

  • Reviewing Income Protection Automatic Acceptance Limits (AAL) to ensure appropriate cover for higher earners

  • Advising on the 60-day rule when leaving public sector employment so insurance cover is not accidentally cancelled

  • Structuring salary sacrifice strategies to maximise the benefits of the tax-deferred environment

Documents and Resources

Access the latest official Triple S documentation through the Super SA portal:

Why Professional Advice Matters

While Super SA provides excellent schemes, they do not offer personal financial planning. Their role is to provide information about their products, not to tell you which strategy is right for your life.

At ODV Private Wealth, we bridge that gap. We look at your Super SA entitlements in the context of your entire financial world — your family goals, other assets, and your retirement dreams — to provide strategies that work specifically for you.

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:

  • Review your specific scheme entitlements

  • Identify potential risks or opportunities (such as insurance gaps or tax caps)

  • Provide a clear, actionable 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.

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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. ODV Private Wealth Pty Ltd ABN 28 679 606 583 | Corporate Authorised Representative (No. 001313599) of Humble Goode Financial Pty Ltd AFSL 349026.