Superannuation
✓ Last verified 14 Sep 2026
The short version
Superannuation refers to employer-provided retirement benefit schemes beyond mandatory EPF - a voluntary employer contribution toward a pension or retirement fund, more common in some organized-sector companies than others.
Unlike EPF (mandatory for eligible employers) or gratuity (mandated after 5 years of service), a superannuation fund is a voluntary employer benefit - some companies contribute to one on an employee's behalf as part of the overall compensation structure, functioning as an additional retirement benefit layered on top of the mandatory ones. Where offered, it's worth understanding as part of total retirement provision, alongside EPF, NPS, and personal savings, since it isn't universal across all employers the way EPF is for eligible organisations.
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