Super is money for your retirement which is paid by your employer into a super fund of your choice. For many people this will be one of, if not their greatest, financial investment.

Combine your super

Wherever you choose to have your super paid to, the important thing is that all your money sits with the same fund. This is particularly important if you’ve previously been taking on various casual or part-time work because you probably have more than one super account now.

There’s very little advantage to having super sitting in multiple funds – in fact, it may leave you with less money down the track. Forgotten funds could be eroded by fees, charges and insurance premiums you are paying to each fund.

Over your working life, this could add up to thousands of dollars – money you could be using much more wisely, such as saving or even spending!

Make sure you check exit fees you may be charged, tax liabilities and any insurance cover you could lose.

We can help you get your super in one place

Getting your super in one place is easier than ever with our Search and Combine tool. You’ll reduce your fees and your paperwork, and you can also use the tool to see if you’ve got any lost super. It’s free, quick and convenient. All you need is your member number and a few personal details.

Search and combine your super now

Want super advice at no extra cost?

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Don’t lose your super money

Almost $18 billion currently sits with the Australian Tax Office (ATO) in unclaimed super. If you’re among the many Australians with more than one super fund, there’s a good chance some of it could be yours. It good idea to check if you have lost super money that has been transferred to the ATO.

How does super get lost?

If your super fund can’t reach you because you’ve moved house or changed names, they have to transfer your super to the ATO after a certain period of no contact. Here are the top three reasons super gets lost:

  1. Changing jobs

    Super often goes missing when you change jobs and open an account with your new employer. It’s easy to avoid this by completing a ‘choice of fund’ form when you start your new job.

  2. Moving house

    If you lose touch with your previous fund, they’ll have no way of notifying you before your super gets sent to the ATO. Combining your super means you won’t need to update your personal details with multiple funds.

  3. Getting married

    Changing your name can also make it harder for your previous fund to reach you. It could also result in multiple accounts with the same fund. Combine your super now to avoid paying unnecessary fees on old accounts.