Your super account: 5 actions to take
30 November 2020
5
min read
Start 2021 ensuring you are getting the most out of your super. Taking five simple actions today may help you feel more in control of your future.

Keeping track of your super is one place to start in helping you take control of your financial future.
Just as you may keep track of your bank accounts, you can also keep track of your super account.
Simply log in to Member Online or download the QSuper app, to keep on top of the transactions made on your QSuper account during the year. You can check how much you and your employer have contributed, fees and insurance premiums that have come out of your account, and any money you’ve rolled in from other super funds.
Here are 4 other steps you could take:
Australians have billions of dollars in unclaimed super. Some of it might be yours.
ASIC’s MoneySmart website1 says finding your lost super and bringing it all together saves on fees and makes it easier to manage. Here are some steps to finding lost super:2
- Log in to your myGov account, click on 'ATO', then ‘Super'
- Find any ATO-held or ‘lost’ super, which is held on your behalf when your super fund, your employer or the government can't find an account to deposit your super into
- Consolidate your accounts by choosing which accounts to combine – you'll be able to see details of all your super accounts, including any you've forgotten about
- Complete the task online, there are no paper forms to sign or mail in.
Choosing the right investment option for you could make a big difference to your retirement lifestyle. If you’re unsure, accessing financial advice might help you decide on the right investment options for you. Deciding what is best for you will depend on your personal circumstances and you may want to seek personal financial advice to get the most from your superannuation.
QSuper’s unique long-term investment strategy is designed to weather the ups and downs of market conditions. Despite the unexpected challenges of 2020, our strong performance, low fees and unique investment strategy have delivered for our members in a year like no other, including being named SuperRatings Fund of the Year.
QSuper’s Chief Investment Officer, Charles Woodhouse, explains how our investment strategy works and has supported members in an economic environment impacted by the coronavirus pandemic.
Accumulation account members have peace of mind knowing their super can include death and total and permanent disability cover and income protection cover.3
If members need to make a claim, we aim to make the process as simple as possible.
Everyone's insurance needs are different, so it's important to understand how much cover you have, and whether it is right for your unique circumstances. Try QSuper’s insurance needs calculator to make sure you have insurance cover that’s right for you.
Choose who receives your super
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Your super doesn't automatically form part of your estate, and can't just be included in your Will, but you can choose what happens to super when you die.
Choosing who you'd like your super to go to when you pass away can give you peace of mind that your family will have a financially secure future.
Find out more about binding death benefit nominations.
1. ASIC, MoneySmart, Find lost super, accessed 4 November 2020 at moneysmart.gov.au/how-super-works/find-lost-super
2. Before you consolidate your super, you should check with your other super funds about any fees, tax implications or loss of insurance or other benefits.
3. Subject to eligibility and conditions.