From 1 July 2016, new entrants to the ADF will no longer be eligible to join the Military Superannuation Benefits Scheme (MSBS). You’ll now become a member of a new ADF Super scheme, and be eligible to exercise super choice. The new ADF Super scheme is what’s called an accumulation, or defined contribution scheme. This is significantly different from the MSBS and its predecessor DFRDB, which were largely defined benefit schemes. As an accumulation scheme with a very high 16.4% employer contribution rate, there are a number of questions this might raise for your personal financial planning. This article considers some questions that the new ADF Super may pose for your wider financial plans. Do I need to make additional salary sacrifice contributions? Both…