NTGPASS (Super) – ABN: 67738128022 USI: 67738128022001
NTSSS – ABN: 15570931519 USI: 15570931519001


Executive Summary

NTGPASS is a contributory, lump sum, defined benefit scheme established by the Superannuation Act 1986. It covers permanent and certain fixed term employees who commenced Territory employment between 1 October 1986 and 9 August 1999, when the scheme was closed to new members.

NTGPASS members are also automatically members of the NTSSS.

NTSSS is a non-contributory lump sum scheme which provides an employer-financed superannuation benefit at the rate of three per cent of salary for each year of service since 1 October 1988. The NTSSS covers most Territory public sector employees (including permanent, temporary, casual or irregular employees, consultants, contractors, board members or office holders) and was modified in 1992 to take into account the superannuation guarantee legislation of the Commonwealth Government. Benefits from the scheme are paid by the Territory at the time employment ceases. There is no NTSSS fund and therefore no employee contributions and no rollovers can be accepted.

NTGPASS and NTSSS are administered by the Commissioner of Superannuation and the staff of the NT Superannuation Office, which is a branch of the Department of Treasury and Finance.


Members contribute between 2 per cent and 6 per cent of contribution salary, and may vary their contribution rate once each year on 1 October. Member contributions and rollovers into the NTGPASS Fund are credited with interest each year.

Accrued employer contributions are paid at the time the benefit becomes due for payment. It is not paid on resignation within the first five years of employment, is partly paid within five and ten years of employment, and is fully paid thereafter.

Annual Review - Election to vary contribution rate form

Annual Review - Application to maintain higher contribution salary

Understanding NTGPASS & NTSSS Benefits

Benefit Components

NTGPASS lump sum benefits comprise:

  • member accumulation account balance: a member financed benefit equal to the member’s contributions and rollovers with interest; and
  • accrued employer component: an employer financed benefit determined by the formula:

​2.5%  ​x  ​Benefit Salary  ​x  ​Total Benefit Points Accrued During Membership  ​x  ​Vesting Factor

Prospective Employer Component

An additional employer financed benefit applying to death and invalidity benefits. It is equal to 17.5 per cent of benefit salary for each year of foregone service (service from the member’s cessation date to maximum retirement age - usually 65) but:

  • ​is reduced in the first 10 years of membership where the entitlement results from a pre-existing medical condition or insufficient medical information was provided on entry;
  • ​is reduced (for employees with a maximum retirement age of 65 years) where death or invalidity retirement occurs after age 50, and is not payable after age 60;
  • ​is offset (usually fully) where workers compensation benefits are also payable; and
  • ​is not payable where a member dies and at the time of their death, had no dependants.

Death and invalidity retirement benefits are payable, not withstanding that a member may be on leave without pay.

New Superannuation Arrangements

NTGPASS closed to new employees commencing service with the Territory Government after 9 August 1999. New employees joining after 9 August 1999 will have full choice of the superannuation fund to which the employer will contribute the superannuation guarantee.

For further details, please refer to the information for New Employees Joining After 9 August 1999.

How are my funds invested?

The Superannuation Trustee Board (STB) is responsible for setting investment strategies and objectives of the NTGPASS Fund. In developing the investment options, the Trustees of the Board took account of the need for members to have diversification across the various investment sectors as well as the NTGPASS benefit structure, membership profile, implementation costs and the resources available to manage the Fund's investment portfolio.

Your funds are invested according to the investment option PDF (25.9 KB) you selected.

What is the role of the Superannuation Trustee Board?

The Superannuation Trustee Board (STB) is established by section 8A of the Superannuation Act 1986. The functions of the STB are to act as Trustees of the Fund and to direct the Commissioner of Superannuation in managing the investments and the Fund on its behalf. Additionally, the Board may direct the Commissioner to:

  • engage investment managers, actuaries, financial and legal advisers and other experts, in relation to the management of the investments of the Fund; and
  • invest the monies of the Fund in investments that the Board considers appropriate.

Who are the members of the Board?

Legislative amendments have been made to expand the membership of the STB. Commencing on 27 April 2012, the legislation provides for a nine member board representing 3 schemes:

  • Northern Territory Government and Public Authorities Superannuation Scheme (NTGPASS);
  • Northern Territory Police Supplementary Benefit Scheme (NTPSBS); and
  • Legislative Assembly Members Superannuation Trust (LAMS).

The members of the Superannuation Trustee Board are as follows:

ChairpersonDeputy Chairperson
Kathleen Robinson Marianne McAdie​​
Michael Martin​ Under Treasurer
​Alex Pollon Vicky Coleman
​Colin Goodsell​ Sarah Burchett
​Mark McAdie  

Who manages my superannuation investments?

Following a select tender process, MLC Implemented Consulting (MLC) were appointed by the Board in August 2005 to manage the fund's investment portfolio. MLC merged with JANA Investment Advisers (JANA) in 2012.

In its role as consultant to the Board, JANA advises the Board on investment objectives and strategies, and selects and monitors investment managers who manage the funds. JANA appoints investment managers with complementary styles across different asset classes such as international and Australian shares, property and fixed interest securities. This style of management creates a well-diversified portfolio that helps minimise risk to produce positive long-term returns.

JANA also re-balances the portfolio to bring the actual asset mix in line with the target allocation. JANA is required to keep the actual asset allocation of each investment option in the Fund within plus or minus 5 per cent of the Board’s target allocation. The asset allocation ranges are continually monitored by the Board to ensure they are within the Board’s targets.

JANA Performance Review

In line with good governance practices, the STB engaged Cumpston Sarjeant to conduct a triennial review on JANA in respect of its role as investment manager for NTGPASS, including:

  • A review of the investment performance of each asset class against a range of benchmarks including index results and industry competitors;
  • A review of investment performance of each investment option against the stated investment goals.

The report dated February 2015 concluded that:

  • JANA asset sector returns generally track relevant indices quite closely;
  • JANA's investment performance for growth and defensive investment options neither consistently outperforms or consistently underperforms either its peers or the relevant indices; and
  • JANA consistently has high quality communication of its strategies.

The next review is due to be conducted in 2018.

NTGPASS Newsletters

Investment returns can be either positive or negative over any given period. The Superannuation Trustee Board's policy is to fully distribute the investment earnings of the Fund amongst members. Investment returns are calculated for superannuation accumulation accounts and for pension accounts.

Investment Options PDF (25.9 KB)

NTGPASS Accumulation Accounts

Member investment choice commenced in July 2007. Investment returns are calculated and applied on a weekly basis. A History of Accumulation Accounts (2012 to 2019) as well as Pension investment returns is also available.

Week ending: 7 May 2019

​Accumulation Account Investment Options

​Financial Year to Date 2018-19

​Week Ending 7 May 2019

Managed Cash2.45%0.53%
Cautious 5.14%0.38%
​Growth (Default) 5.96%0.27%

Financial year to date: 2018-19

2018-19 Investment Returns

NTGPASS provides an additional employer-financed death benefit for members under the age of 60 years. This benefit is a prospective employer component and is generally payable if an eligible employee dies and is survived by a dependant(s).

NTGPASS members may also be eligible for an anti detriment payment. Further information on death benefits and the anti detriment payment is available in the NTGPASS and NTSSS Member Information Book PDF (25.9 KB) and the fact sheets below.

Fact Sheets


Member Investment Choice allows members more flexibility in how their accumulation account is invested. There are six investment choices each containing a different mix of growth and defensive assets.

Fact Sheets



There are a number of ways you can contribute to your superannuation account.

NTGPASS Compulsory Contributions

Active members make compulsory contributions to their accumulation account at a rate of between 2 and 6 per cent of contribution salary. Members can vary their contribution rate at the Annual Review each year on 1 October.

The compulsory contributions entitle the member to a Territory-financed defined benefit, which is calculated according to a formula based on the number of benefit points, length of membership and benefit salary.

Annual Review ‑ Election to Vary Contribution Rate PDF (126.8 KB)
Annual Review ‑ Application to Maintain Higher Contribution Salary PDF (127.5 KB)

Voluntary (Personal) Contributions

Active members who are contributing at 6 per cent of salary can make additional after-tax contributions to their NTGPASS accumulation account. Contributions can be made as a lump sum or through regular payroll deductions. These contributions are known as non‑concessional contributions (refer to contribution caps).

For further information on the rules regarding personal contributions and the payment methods available, please refer to the form below.

Personal Contribution Form PDF (132.2 KB)

Contribution Caps

Concessional Contribution Caps

Concessional superannuation contributions such as salary sacrifice or employer contributions are made from pre‑tax salary. Concessional contributions are taxed at the concessional rate of 15 per cent on receipt into the superannuation fund.

Amounts up to the caps are concessionally taxed at 15 per cent. From 1 July 2012, people with incomes over $300 000 will have the tax on concessional contributions increased from 15 per cent to 30 per cent.

Since 1 July 2013, contributions exceeding the concessional contribution cap will only be taxed at a person's marginal tax rate plus interest charge.

If you are an active member of NTGPASS, your Territory financed (employer) contributions are not paid to you until you resign. As an untaxed defined benefit superannuation scheme, the Territory does not report an amount for your NTGPASS Territory-financed (employer) contributions. This means that you are able to salary sacrifice an amount up to your concessional contributions cap each financial year. Of note is that it is proposed as part of the 2016-17 Commonwealth Budget that in the future the Territory will be required to report a notional amount to reflect the value of your Territory-financed (employer) contributions.

Current concessional contribution caps are summarised below.

AgeCap from 1/7/2014
Under age 50$30 000
Age 50 and over$35 000​

It is proposed as part of the 2016-17 Commonwealth Budget that the concessional contribution caps for all employees will be reduced to $25 000 from 1 July 2017.

Non‑concessional Contribution Cap

Non‑concessional contributions such as voluntary contributions or your compulsory NTGPASS contributions are made from after‑tax salary.  From 1 July 2014, the non‑concessional contribution cap is $180 000.

If you are under 65 years of age, you can bring forward two years of contributions, enabling $540 000 to be contributed in one year, with no further contributions in the next two years. ​

Any non‑concessional contributions that exceed the caps are subject to additional tax of 49 per cent (including Budget Repair Levy and Medicare Levy).

It is proposed as part of the 2016-17 Commonwealth Budget that a “lifetime” non-concessional contribution cap of $500 000 will apply to all employees. This cap will count all contributions made since 1 July 2007.


The superannuation co-contribution is a Commonwealth Government initiative to assist eligible individuals to save for their retirement. If you are eligible and make personal superannuation contributions, the Government will match your contribution with a co-contribution up to certain limits. For further details, read the fact sheet below.

Superannuation Co-contribution PDF (129.9 KB)

Australian Taxation Office Co-contributions Calculators


NTGPASS members can rollover or transfer amounts from other complying superannuation funds to their member accumulation account by contacting the appropriate superannuation fund for a rollover form. The fund is required to rollover your money within thirty days of receiving all necessary paperwork.

It is important to check with your other superannuation fund before rolling your money out of the fund as they may charge an exit or processing fee that in some cases can be substantial.

Active members cannot withdraw or transfer rollover payments from NTGPASS until they cease Territory public sector employment.

Contribution Splitting

NTGPASS and other defined benefit schemes do not allow members to split their concessional contributions with their spouses.

Salary sacrifice provides broader opportunities to employees for their retirement and taxation planning. However, there are a number of complexities, which employees should consider as part of their decision-making, and obtaining independent financial advice prior to commencing salary sacrifice is recommended.

Salary sacrifice allows members to direct before tax salary into their NTGPASS member accumulation account. The Territory financed benefit will not alter as the salary used to calculate the final NTGPASS benefit will not be affected (that is, the benefit salary stays the same).

Salary sacrifice contributions will only be accepted for NTGPASS Active members contributing 6 per cent in compulsory member contributions. Members of other defined benefit schemes are also unable to salary sacrifice to those schemes.

To salary sacrifice members arrange with their employer to forgo pre‑tax salary in return for the employer contributing that sacrificed salary into their superannuation fund. Salary sacrifice contributions are made by regular fortnightly payroll deductions and an annual fee is applicable. The payroll section will deduct the fee from pre‑tax salary on commencement of salary sacrifice and then annually at the salary packaging annual review on 1 April. Salary sacrifice forms are available from your payroll section.

A 15 per cent contributions tax is deducted from salary sacrifice contributions upon receipt into the fund. The contributions receive investment earnings relative to the selected investment option and all contributions made after 1 July 1999 are preserved until a condition of release is satisfied.

The changes to the concessional contribution cap are summarised in the table below.

AgeCap from 1/7/2014
Under age 50​$30 000
Age 50 and over$35 000
Age 60 and over$35 000

It is proposed as part of the 2016-17 Commonwealth Budget that the concessional contribution caps for all employees will be reduced to $25 000 from 1 July 2017.

Note that the concessional contribution cap includes both employer funded contributions as well as salary sacrifice contributions.

​Refer to the fact sheet below or contact the NT Superannuation Office if you require further information. To commence or vary your salary sacrifice contributions, please contact the Salary-Packaging Unit in the Department of Corporate and Information Services on 08 8999 4481 or by emailing salarypackagingservices@nt.gov.au.

Fact Sheets

You have a number of different options upon ceasing employment. Depending on your age, you can:

  • Roll all or some of your superannuation into a pension product;
  • Take some or all of your superannuation as a lump sum cash payment;
  • Rollover some or all of your superannuation to a complying superannuation fund; or
  • A combination of the above.

We strongly suggest that you seek financial planning advice from a qualified professional in relation to your specific circumstances.

NTGPASS Annuity Bonus

An annuity is a private pension from an insurance company or similar institution. To be eligible, an approved annuity must be a lifetime annuity or for a minimum term of 10 years.

If you are retiring from the workforce and intend using your NTGPASS benefit to purchase an approved annuity, you may be eligible for an additional payment to offset the initial fees charged for the purchase of the annuity.

An approved annuity means:

  • an annuity purchased by a former member for his or her life or for a minimum term of 10 years and;
  • in relation to a death benefit – an annuity purchased by a dependant with monies from a deceased member’s estate solely attributable to the contributions made under the scheme by the deceased member and to the benefits received under the scheme by the estate.
  • in relation to an invalidity retirement benefit – where a benefit is paid due to invalidity retirement and after it is paid to the former member, the former member purchases an approved annuity for his or her life or for a minimum term of 10 years.

The calculation of the annuity bonus is restricted to 5 per cent of your compulsory employee contributions and the employer component of the benefit paid. Employee contributions exclude salary sacrifice, investment earnings, voluntary contributions and rollover amounts. The bonus will be paid as an Eligible Termination Payment (ETP) and is subject to taxation.

To qualify for the bonus, the annuity must have been purchased within 90 days of you claiming your benefit from the Scheme.

Opt out of NTGPASS and NTSSS

Active NTGPASS and NTSSS members can elect to opt out of the schemes once they reach preservation age (between 55 and 60 depending on date of birth). Eligible members who opt out will not need to resign from the NTPS to claim their NTGPASS and NTSSS superannuation benefits.

Members who choose to opt out:

  • will no longer be an Active NTGPASS member and will no longer make compulsory NTGPASS member contributions of between 2 and 6 per cent of salary;
  • will move from defined benefit superannuation arrangements to Choice of Fund (superannuation guarantee) arrangements. The employing agency will make superannuation guarantee contributions to their nominated superannuation fund each pay day;
  • must select a superannuation fund to receive their superannuation guarantee contributions and any salary sacrifice contributions. This cannot be NTGPASS; and
  • must roll over their superannuation benefits to a superannuation fund that is not NTGPASS.

More information

Centrelink Financial Information Services
- speak to an Financial Information Services Officer: 132300
- seminar bookings: 136357
Centrelink - retirement

How long does your super need to last?
- longevity calculator

MoneySmart website administered by the Australian Securities and Investments Commission (ASIC) to help people make smart choices about their personal finances including superannuation.
Money Smart - superannuation and retirement
Money Smart - retirement income planning

An easy to understand guide to superannuation
Includes fact sheets, calculators, interactive learning modules, detailed budgets on retirement lifestyle standards, and additional topics for you to consider before retiring.

Financial Planning Advice
Financial Planning Association’s site

If you were employed in the NT public sector after 1 October 1986, you may be entitled to a benefit from the Northern Territory Government and Public Authorities' Superannuation Scheme (NTGPASS) and/or the Northern Territory Supplementary Superannuation Scheme (NTSSS).

If you ceased employment and did not lodge a claim for a superannuation benefit or failed to receive a claimed benefit, you can complete the Unclaimed Superannuation Form PDF (64.7 KB). For further information about unclaimed benefits, please contact:

NT Superannuation Office
Level 11, Charles Darwin Centre
19 The Mall
Darwin NT 0800

GPO Box 4675
Darwin NT 0801

Tel:  +61 8 8901 4200
Fax: +61 8 8901 4222
Email: ntsuperannuation@nt.gov.au

Last updated: 16 July 2019

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