Despite the Military Superannuation and Benefits Scheme (MSBS) being closed off to new members from 01 July 2016, the vast majority of current and ex-serving Defence members remain part of this retirement Scheme. 

Understanding your MSBS is fundamentally crucial for Australian Defence Force members planning their long-term financial future. Whether you’re still serving or transitioning from the ADF, knowing how your contributions, benefits, and retirement entitlements work empowers smarter decisions.

At Veteran Capital, we’ve guided countless Defence families through the complexities of retiring from Service, whether it be via a normal mode of separation of medical, we’ve got your six. Our team has specialised firsthand experience across all three Defence retirement schemes—MSBS, ADF Super, and DFRDB.

Defence members and veterans trust us to provide clear, confident guidance tailored to the unique complexities of Military retirement schemes.

Why Choose Us for Military Superannuation and Benefits Scheme

Navigating the Military Superannuation and Benefits Scheme on your own can be overwhelming. It is confusing, especially when trying to interpret conditions of service, employer benefits and retirement structures. Let alone how this all ties in with DVA Benefits and Entitlements, and more broadly the civilian financial ecosystem. Our team specialises in providing  Defence financial support and offers personalised guidance and advice based on real Defence experience. 

We take the time to understand your service history, your goals and your future plans, ensuring you maximise every entitlement available to you. With transparent advice and a veteran-focused approach, we make your MSBS entitlements easier to understand and manage at every step of the way.

Our Military Superannuation and Benefits Scheme Services

Veteran Capital provides a complete range of MSBS-focused services, including:

• Benefit and entitlement explanations tailored to your rank, service length and transition plans (voluntary or medical) 
• Guidance on superannuation contributions and retirement options 
• Support during discharge or transition to ensure your benefits continue smoothly 
• Financial planning assistance to help you align MSBS outcomes with your long-term goals 
• Clarity across all MSBS benefits, preservation rules, Invalidity Benefits and payout structures

Our role is to simplify the scheme and give you confidence in your financial decisions.

Military Superannuation and Benefits Scheme – How It Works

1. You contribute to MSBS during eligible ADF service. 
2. The Commonwealth contributes on your behalf, forming the employer benefit. 
3. Your benefits grow across multiple components, including your member, ancillary and employer benefits. 
4. On discharge or retirement, you unlock your entitlements based on your service type and length. 
5. Veteran Capital helps you understand each component, ensuring your transition and financial planning remain smooth.
   We guide you through the structure so you clearly understand what you’re entitled to now and in the future. 

Benefits of Working with Us

At Veteran Capital, we provide comprehensive, easy-to-understand MSBS guidance designed to support you through all stages of your Defence career. Our services include:

• Veteran-focused financial advice with personal lived experience and understanding of Service life, Military Benefits and Entitlements. 
• A no bullshit approach to Financial Advice, with clear concise explanations without unnecessary and confusing jargon. Bottom line – we’re here for you. We’re not here to flog confusing or expensive products that you don’t need. 
• Clarification around preservation rules, early access conditions and payout structures 
• Tailored financial strategies proven to protect and grow your long-term wealth and most importantly aligned with your retirement goals. 
• Strategic advice and guidance tailored to key milestones of your ADF career 
• Assistance during transition or discharge to ensure that you are maximising your Benefits and Entitlements. 
• Trusted support from a team committed to your financial wellbeing
  
  Our goal is to simplify the scheme so you can make decisions with confidence. 

FAQs About Military Superannuation and Benefits Scheme

1. Who is covered under the MSBS?
   ADF members who joined between 1 October 1991 and 30 June 2016.
2. Can I access my employer benefit before retirement?
   Potentially, this depends on your discharge type and preservation rules.
3. Is MSBS the same as ADF Super?
   No, ADF Super replaced MSBS for members who joined from 1 July 2016.
4. What happens to my benefits when I leave the ADF?
   Your entitlements vary based on your service length and whether you preserve or access benefits.
5. Can you help me plan for retirement using MSBS?
   Yes — we provide personalised financial advice and guidance to help optimise your outcomes.
6. Does the scheme include insurance or ancillary benefits?
   It depends, contact us to help you understand what applies to your service.

Get Started with Military Superannuation and Benefits Scheme Today

If you want expert guidance on your Military Superannuation and Benefits Scheme entitlements, the team at Veteran Capital is ready to support you. Call us on 0460 003 557 to get personalised, Defence-focused financial advice that puts your future first.