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News Hub Superannuation

Now is the time to stay on top of your super

Employer Superannuation
20 May 2024 5 min read

Staying on top of your super now can help you feel good about tomorrow.

Young couple with laptop

Your super is a long-term investment and ultimately what matters is having enough when you retire.

Your super is your money. In Australia, there was $1,000 billion in total assets in MySuper products at the end of the December 2023 quarter.1

In the past year, you may have changed jobs or made other  changes in your life – financial or otherwise – so looking after your super now means it may look after you later.

There are simple ways you can ensure you are on top of your superannuation money.

Here are 3 steps that may help:

1

Choose the super fund that is right for you

Most people can choose which super fund they would like their super contributions paid into.

According to the Australian Securities and Investments Commission’s Moneysmart website2, performance, fees, services, investment choices and insurance are among important factors to consider when choosing your super fund.


2

Consolidate your super

Consolidating your super means moving all of your super into one account.

By combining your super, you may save on two precious commodities – your money as well as your time. That’s because a single account makes your super easier to manage and fewer accounts means fewer fees.

You can combine your super simply by logging in to Member Online3


3

Take your super with you

No matter where life takes you or who you work for, your QSuper account can come with you.

So, if you change employers, your new employer will be able to find your existing super account through the Australian Taxation Office (ATO) and not need to create any new account for you, unless you want them to do so.

This is called stapling your super account to you. Stapling aims to reduce unintended multiple accounts.

Employers will get information about your existing super fund from the Australian Tax Office (ATO). If you don’t have an existing super account and don’t make a decision regarding a fund, the employer will pay your super into their nominated default superannuation fund.

Click

Take us with you

If you’ve changed jobs, simply take your QSuper account with you

Here's how


1. Association of Superannuation Funds of Australia, Superannuation statistics, accessed 2 April 2024 at superannuation.asn.au
2. ASIC, MoneySmart, What to look for in a super fund, accessed 2 April 2024 at moneysmart.gov.au
3. Before you consolidate your super, you should check with your other super funds about any fees or loss of insurance or other benefits.

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