Your future in trusted hands

Everyone has a picture of the financial future they want to reach. Whatever your age or life stage, your superannuation - or super - can be vital to achieving that future. And AustralianSuper is here to help you.

Remember: as an industry fund, AustralianSuper, doesn’t pay profits or dividends to shareholders. So when you choose AustralianSuper, you’re choosing a fund whose profits go back into the Fund for the benefit of members.

We’ll take you on a guided tour of your super savings journey. Join us to see how even the smallest steps could make a big difference to the future you’re working hard for.

This Tour has three parts.

Part one is for members new to AustralianSuper or considering joining.

Part two is about making the most of your super.

Part three covers what happens during life’s super moments

Each part is clearly labelled on the video progress bar. If you want to skip to a specific section - like insurance - simply click on the spot labelled ‘insurance’ on the progress bar.

Part one: Getting started Time to explore how Australia’s most trusted super fund* can help you achieve your best financial outcome in retirement.

Let’s start from the beginning. Once you’ve joined AustralianSuper, keep a lookout for your new ‘welcome kit.’ This pack contains important information about your new AustralianSuper account.

Once you’ve received the welcome kit, activate your online account so you can manage your super.

Once your online account is activated, you can manage your super using the app. Whether you’re keeping track of your contributions or changing your insurance cover, the app makes managing your super easy.

If you’re changing jobs and want your employer to continue paying to your AustralianSuper account, you can give your AustralianSuper details to your new employer. That way, you can be sure your super is being paid into the account you want, and you can continue to benefit from being with Australia’s largest super fund.

Many members want to see their savings go to their loved ones after they’re gone. As super doesn’t form part of your estate, it won’t necessarily be distributed in line with your Will. That means it’s important to nominate your beneficiaries and keep them up to date, so that we know where you want your money to go.

In Part two of our tour, we’ll discover how to make the most of your super in a fund joined by over 1,200 Australians every day.

If you’ve had multiple jobs, you may have multiple super accounts. Juggling more than one super account can be time consuming, and you may be paying multiple sets of fees, which can reduce the balance of your super at retirement. If you have more than one account, consider consolidating all of your super into one account.

And don’t forget to check if you have money in a ‘lost’ super account.

There is an estimated $13.8 billion in unclaimed super*, so it can pay to check. Visit your ATO MyGov account or your AustralianSuper portal to learn if you have unclaimed super.

In addition to employer contributions, you can also make voluntary contributions to your super  throughout your working life. ‘Topping up’ your super fund could have benefits at tax time and a positive impact on your super balance in the long term*. Our website details all the benefits and options for voluntary contributions, plus guidance and advice to help you make the decision that’s right for you.

How you invest your super has an impact on how much it grows and how long it lasts. So, it’s important to consider your investment options. Currently, 90% of AustralianSuper members are in our default option, the Balanced Investment option, which has a history of strong, long term performance. 

AustralianSuper has a range of diversified investment options you can choose from, known as PreMixed but if you’re interested in a more hands-on approach, our DIY Mix option allows you to choose the asset classes you want to invest in. For members wanting higher involvements the Member Direct option may be for you.

Life is full of surprises, which is why most AustralianSuper members receive basic insurance with their account, subject to eligibility criteria. Depending on your life stage, you may want to change your level of insurance cover. Paying for insurance cover from your super may mean you’ll have less for retirement, but having cover can provide a safety net for you and your family if the unexpected happens:

AustralianSuper reviews our insurance yearly to ensure the cover provided to members is sustainable affordable, now and in the future.

In Part three, we’ll talk about life’s super moments, and how AustralianSuper can help.

If you get married, move house, go part time or take a break from work, make sure to update your member profile so it reflects your new name or address or other key changes.

These moments are the times when you might want to manage your insurance cover or super contributions via the app.

Wherever you are in life, it’s never too early or too late to plan for retirement. With AustralianSuper, it’s easy to find information and access advice that’s tailored to your needs.

You can access webinars, articles, advice or tools like our helpful calculators – visit our website.

There are many different ways to fund your future when you’re ready for retirement. One option is our account-based pension product called Choice Income. It provides you with regular payments into your bank account, plus your money stays invested, which could help your savings last longer.    

That concludes the guided tour of your possible super journey with AustralianSuper. We hope you can see the big difference little changes can make to your retirement journey. And why over 2.8 million Australians joined AustralianSuper.