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Your super
What is superannuation and how does it help your future?
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What is superannuation?
Super is money you save now for your life when you stop working. Learn how super works, including how you can grow it faster. Understand the rules about how much you can contribute and when you can withdraw it.
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Where are you on your super journey?

Looking to understand super basics

Find these topics and more:

  • How much super should you have
  • How super is taxed
  • Investment basics
  • Insurance through super
How super works
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Wanting to grow your super

Find these topics and more:

  • How much you can contribute
  • Before-tax contributions and salary sacrificing
  • After-tax contributions including downsizer, spouse and government co-contributions
Grow your super
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How to manage your super

Find these topics and more:

  • How to access your super early
  • Find and consolidate any super
  • Take your super a new job
  • Switch investment options
Manage your super
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Got super in different places?
According to the ATO, Australians have more than $17 billion in lost and unclaimed super. Some of that money could be yours – so it’s worth doing a quick lost super search to find and claim your super in minutes.
See if you’ve got super to find

Why join the 1.2 million Australians with Aware Super

Award-winning super fund

SuperRatings Fund of the Year 2025 and Chant West Pension Fund of the Year for 2024 and 2025.[A6]
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Aussie call centres

All member enquiries are taken by in-house staff in Melbourne, Perth or Wollongong.
Australia

Profit-for-members, not shareholders

Profits go back to our members through competitive fees and better services.[F1]
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Join now Why choose us?

Super accounts for all of life’s stages

  • Future Saver account
    This is for when you’re working. It’s where you or your employer can make before and after-tax contributions to build your super.
    Get set up
  • Retirement Transition account
    Open this when you’re ready to reduce your working hours, but receive a regular income. Use your super savings to pay some of your salary.
    Check if you’re eligible
  • Retirement Income account
    This is for when you’ve retired from work, but not your pay days. Invest your super in a tax-effective way, while you enjoy regular payments.[M5]
    Learn how it works
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Not sure if your super is on track?

Use My Retirement Planner™ - our super projections calculator.
Log in Not a member? Try it now

Super performance backed by super awards

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View our awards

[A6] Zenith CW Pty Ltd ABN 20 639 121 403 AFSL 226872/AFS Rep No. 1280401 Chant West Awards issued 21st May 2025 are solely statements of opinion and not a recommendation in relation to making any investment decisions. Awards are current for 12 months and subject to change at any time. Awards for previous years are for historical purposes only. Full details on Chant West Awards at https://www.chantwest.com.au/fund-awards/about-the-awards/

[F1] Chant West Super Fund Fee Survey December 2025, High Growth [81-95% in growth assets] investment option index and $50,000 account balance. Fees and costs can vary from year to year. Past fees and costs are not a reliable indicator of future fees and costs. Fees and comparisons may differ for other investment options and account balances. Aware Super’s High Growth option as published in the Aware Super Future Saver PDS.