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Reading your annual statement
Your annual statement shows what’s happened with your account over the last financial year. Here’s what each section means.
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Your annual statement explained

Get the most out of your annual statement by exploring each section and what they mean for you. Choose the relevant tab for you: Accumulation or Retirement.

Key areas to explore

  • See how your investment has performed in Your balance.

  • Explore what went in and out of your account this last financial year in Your transaction summary.

  • Check Your details are up to date.

Understand your statement 2026

This account summary includes your balance for the last financial year and your 30 June balance for the past 3 years. 

Your balance

This shows how much has come into, and left, your account over the 12 months to 30 June 2026 - investment returns, super contributions, withdrawals, and any deductions, such as fees.

Your transaction summary

This is the contact information we have on file for you. It’s a good idea to check this is all correct and up to date. Sharing your mobile number adds extra security and means you can retrieve your Member Online password easily.

Your details

A projection of how much super you’re likely to have when you’re ready to retire. This will be available to eligible members with an accumulation account, so check your statement.

You can also use the My Retirement Planner.

Retirement estimate

If you haven’t made a choice, nominating a beneficiary takes less than 30 minutes and can save your people a lot of stress. You can let us know your choice using Member Online or by making a nomination.

Your beneficiaries

This shows how your super balance was invested in the 12 months to 30 June 2026.

Your investments on 30 June 2026

A record of changes made to your investment choices in the period.

If you have a financial adviser they may have changed your investments based on your discussions with them.

How your investments changed

The investment options to which future contributions will be allocated.

How new money is invested

The short to long term returns[P1] of your nominated investment options. Super is about the long-term, so it’s helpful to look at investment returns over three, five and ten years.

To view the returns for all investment options, go to the investment performance page.

Investment performance to 30 June 2026

If you have insurance, this section shows your potential benefits if you need to make a claim, and the premium costs. This section is a new addition to this year’s statement. 

Your insurance

This lists transactions made on your account – money in and money out. Take a moment to check that everything is included. You can use your payslips to cross-check employer contributions. Some transactions may be grouped rather than shown individually.

Your transactions in detail

This covers fees deducted directly from your account (like admin and account-keeping fees), as well as the fees and costs relating to the purchase, sale and ongoing management of your investments.

Fees and cost

Here you’ll find all our contact details, so you can give us a call if you want advice or a quick answer to a question.

Find out more

Key areas to explore

  • Explore what went in and out of your account this last financial year in Your transaction summary.

  • Explore how the Age Pension could support your retirement income alongside your super in the Enjoy the retirement you've earned section

  • Check Your details are up to date.

Understand your statement 2026

This account summary includes your balance for the last financial year and your 30 June balance for the past 3 years. 

Your balance

This shows how much has come into, and left, your account over the 12 months to 30 June 2026 - investment returns, super contributions, withdrawals, and any deductions, such as fees.

Your transaction summary

This is the contact information we have on file for you. It’s a good idea to check this is all correct and up to date. Sharing your mobile number adds extra security and means you can retrieve your Member Online password easily.

Your details

If you haven’t made a choice, nominating a beneficiary takes less than 30 minutes and can save your people a lot of stress. You can let us know your choice using Member Online or by making a nomination.

Your beneficiaries

This shows how your super balance was invested in the 12 months to 30 June 2026.

Your investments on 30 June 2026

The Age Pension could support your retirement income alongside your super. Understanding how the two work together may help you feel more confident and in control.

Enjoy the retirement you've earned

A record of changes made to your investment choices in the period.

If you have a financial adviser they may have changed your investments based on your discussions with them.

How your investments changed

The short to long term returns[P1] of your nominated investment options. Super is about the long-term, so it’s helpful to look at investment returns over three, five and ten years.

To view the returns for all investment options, go to the investment performance page.

Investment performance to 30 June 2026

This lists transactions made on your account – money in and money out. Take a moment to check that everything is included. You can use your payslips to cross-check employer contributions. Some transactions may be grouped rather than shown individually.

Your transactions in detail

This covers fees deducted directly from your account (like admin and account-keeping fees), as well as the fees and costs relating to the purchase, sale and ongoing management of your investments.

Fees and cost

Here you’ll find all our contact details, so you can give us a call if you want advice or a quick answer to a question.

Find out more

Super helpful resources

Want to learn more? Check out these tools, documents, guides, and more.

[P1] Aware Super's High Growth option return over 10 years to 30 June 2026. SuperRatings Fund Crediting Rate Survey, June 2026. Based on the SR Growth (77-90) Index. Returns are after tax and investment management expenses but before the deduction of administration fees. Past performance is not an indicator of future performance.