You can take as long as you need to pay back the boost, but if you want to maximize your savings, you should aim to pay it back within 12 months.
Here’s how it works: during the first year, your fund will earn investment returns on your boosted total. If you contribute the full boost amount within the year, we’ll add any investment gains to your fund and you’ll continue to earn on that full amount.
If you don’t contribute the boost amount within a year, then you’ll only earn investment returns on the amount you’ve contributed, once the first year is up.
For example, if you start with a $1,000 boost and have only contributed $400 by the end of the year, from that point on you’ll only be earning returns on the $400 you’ve contributed.