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Starting a new job may be a refreshing and exciting change, whether it’s your first job or your last role before you look to retirement. Start your new job this year with these tips so you can focus your time and energy on your new role, confident that your money is working as hard for you as you are for your money.
Once you know when payday is, make sure that the first thing that comes out of your first pay cheque is your savings. This includes saving for your specific goals and building your emergency fund.
A recent QSuper survey1 of more than 4,500 members found only around 25% felt both in control of their current finances and confident in their financial future. Taking control of your spending and saving can help take away some of the stress that may be impacting on your financial wellbeing.
To get your budget in order, try QSuper's Budget Planner. Use the Budget Planner to record your income, expenses and savings, to help you identify any spending leaks and plan for any savings goals.
Try the Budget Planner
In your first week at work, it’s important to introduce your new employer to your super fund.
Remember, wherever you work, QSuper works too – so you don’t need to change super funds even if you start a new job. When you’re with QSuper, you’re with a fund that’s looked after Queenslanders for more than 100 years. And QSuper aims to deliver consistently strong returns for members with smoother ups and downs along the way.
Staying with QSuper is easy work. Simply download a form, then hand it to your employer.
Find out more
You might also like to think about consolidating your super.2 Consolidating your super into just one account can take just minutes and could save you from paying multiple fees. That’s the power of one.
When you receive that first payslip, you may want to make sure the dollar figure matches what you negotiated in interviews. This is also the time to check all your other details are recorded correctly.
This is also a great time to check your super. You can do it online, anywhere, anytime with Member Online. With Member Online, everything is in one place, you can:
Job hunting and starting a new role can involve some expenses, which may include buying uniforms and safety equipment, or travel costs to attend mandatory training.
You can make your next tax return a lot easier by filing your receipts and checking the ATO website to find out what expenses are tax deductible for your new job.
There’s an app for that – there’s also multiple apps that let you take a photo of your receipts and file them by tax deduction type.
Whether your new role is your first job out of school or your last role before retirement, getting financial advice can help you make the most of all your money, not just your super.
As a QSuper member, you have access to financial advice from professional financial advisers.3 Advice can be tailored to your specific circumstances.
Make an advice appointment today
1 Survey of 4,564 QSuper members conducted on behalf of QSuper by Colmar Brunton. Conducted 6-27 June 2017.
2 Before rolling your super over, you should check what fees your other super fund charges and if you will lose any benefits such as insurance or pension options.
3 QInvest Limited (ABN 35 063 511 580, AFSL and Australian Credit Licence Number 238274) (QInvest) is a separate legal entity responsible for the financial services and credit services it provides. Advice fees may apply. Refer to the Financial Services Guide for more information.
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