It’s your super, your choice
Choosing the right super fund today could make a big difference to your retirement savings in the future and in most cases, the choice is yours. Strong long term investment performance1, size, investment capability and whether the fund is profit-for-member are all things to consider.
Check out the ATO's YourSuper comparison tool to help compare super funds.
Once you’re ready to tell your employer where to pay your super, download the Standard choice form, fill it out and give it to your employer.
If you don’t nominate a super account when you start a new job, your employer will contact the ATO to find your ‘stapled fund’ and will pay your super contributions to that account. If you don’t have an existing super account and don’t choose a fund, your employer will pay your super into their nominated default super fund2.
Super stapling was introduced on 1 November 2021 as part of the Your Future Your Super Federal Government measures. Stapling means you will be attached to one super fund for life unless you choose otherwise. It aims to reduce the number of super accounts people may acquire throughout their working life.
1. AustralianSuper Balanced investment option compared to the SuperRatings Fund Crediting Rate Survey – SR Balanced (60–76) Index to 30 June 2026. Investment returns aren’t guaranteed. Past performance is not a reliable indicator of future returns. Returns from equivalent investment options of the ARF and STA super funds are used for periods before 1 July 2006.
2. Choice of super fund rules apply. Check with your employer to confirm if choice of super fund is available within your employment conditions.
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1. AustralianSuper Balanced investment option compared to the SuperRatings Fund Crediting Rate Survey – SR Balanced (60–76) Index to 30 June 2026. Investment returns aren’t guaranteed. Past performance is not a reliable indicator of future returns. Returns from equivalent investment options of the ARF and STA super funds are used for periods before 1 July 2006.
1 Before making a decision to combine your super, consider any fees or charges that may apply, and the effect a transfer may have on benefits in your other fund such as insurance cover. We recommend you consider seeking financial advice. If you wish to claim a tax deduction for personal super contributions, you must lodge a notice of intent to claim a tax deduction with your other fund before you combine your super.