When you consolidate your super, it means combining multiple accounts into one. You’ll only pay one set of fees, cut down on paperwork, and get a clearer view of your super balance. Consolidating is one of the simplest ways to stay on top of your retirement savings.[C1]
Consolidating your super makes it easier to manage, like:
Plus, you’re less likely to lose track of your super savings if you change jobs.
Before you consolidate, have these details handy:
| Method | What to do |
|---|---|
| In Member Online |
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| In the Aware Super app |
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| Through MyGov (ATO) |
|
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For most people, yes. Having fewer accounts mean fewer fees, less admin, and all your contributions and investment returns in one place. But you might keep more than one account if you need specific insurance cover or have estate planning strategies in place. It’s a smart idea to check your situation before making any decisions.
Super stapling is when your super account is linked (or ‘stapled’) to you, so your super can follow you into a new job. Your stapled super only comes into the picture if you don’t share your fund details with your new employer. While having a super stapled fund can reduce the number of accounts you have, it’s still a good idea to tell your employer which fund you want your contributions paid into.
Not usually. For most funds, consolidating your super is free. But it’s a smart idea to check if your old fund might charge transaction costs or if your new fund has any entry fees.
You can take your super to multiple workplaces. All you need to do is give the same account details to each employer so everything goes into one account. That way, you’ll only have one balance to track, fewer fees to pay, and less admin to do.
Most super transfers take around three business days once your fund has processed the request. But timing can vary depending on which funds are involved. The ATO generally allows up to 28 days for the funds to complete your consolidation request. We’ll let you know once we’ve finalised your transfer.
[AD2] Members can get advice about their Aware Super accounts at no extra cost, or advice on their broader needs for a fee.
[C1] Before consolidating, consider if this is right for you, including the loss of any insurance cover from your other funds, the impact on your investments, and potential tax implications and read the PDS and TMD at aware.com.au/pds. You may wish to speak with a qualified financial planner before making this decision.
[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.
