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Sort Out Your Super

Some facts about super:

  • If you’ve had more than one job, you’re likely to have multiple super accounts.

  • For every additional account you have, you could be paying extra fees.

  • It’s easy to bring your super together with Heart.

If you’re putting it off because you think it’s all too hard to do — think again. Consolidating your super can be quick and simple — and can make a big difference to your super balance.

If, like most people, you’ve had more than one job in your career, you’re likely to have had more than one super account. However, you may be better off combining all your super into one account.

Here are five reasons to consolidate your super.

1. You could potentially reduce your fees

Every super fund you have will charge a range of fees, such as member, management, adviser or contribution fees. By having one account, you can relax knowing that you will only pay one set of fees.

2. You could save on insurance premiums

If you have two or more different super accounts with insurance cover, you may also be paying two or more premiums for the same insurance cover. By having one super account with the right types and amounts of insurance cover for your situation, you can reduce the amount of insurance premiums you pay, while ensuring that you have adequate cover.

3. There’s less paperwork

Even with only one extra account, that’s double the paperwork coming in. Reduce your accounts, and you’ll reduce your paperwork.

4. It’s easier to keep track of one account

With one account, your super will be much easier to keep track of. Not to mention, you won’t have to remember multiple logon details and passwords to get access to these accounts online. By having one account you’ll see a consolidated view of your super balance, giving you a clearer picture of how much you have.

5. You could find super you didn’t know about

It’s likely you could have super accounts out there from jobs that you had many years ago, or only stayed in for a short time. We can help you locate any lost super you might have. All we need is your Tax File Number and your consent. Simply send us an email to to give us your consent, and we will search for your lost super.

6. Things to consider

Before making a decision to consolidate you should compare the costs, risks and benefits of all your accounts. It’s also a good idea to speak to us and consider things like fees, loss of insurance cover and any costs for withdrawing from your other super funds as well as any investment or tax implications.

7. We're here to help

To sort out your super, you can speak Stu by calling us on 1300 861 143.


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