Super made simpler
For many Australians, super is one of their biggest assets. A financial adviser can help you understand your fund and your options, and plan for the retirement you want. Not sure where to start? Answer a few quick questions and we'll connect you with one.
- Growing, combining or managing your super
- Connected with a financial adviser
- Our service is free, no obligation
Super at a glance
What an adviser does
A financial adviser looks at your super alongside the rest of your finances and gives you personal advice, set out in a Statement of Advice.
What it costs
You usually pay for advice. Your super fund may also offer help with your super, often included in the fees you already pay.
Things to know
Before combining super accounts, check what you'd give up, such as insurance cover held inside a fund.
What an adviser can help with
People commonly see a financial adviser about:
- Growing their super, including extra contributions
- Combining super accounts
- Choosing investment options within their fund
- Whether a self-managed super fund (SMSF) suits them
- Getting ready to retire and drawing an income from super
The adviser looks at your situation before recommending anything.
Good to know
Find lost super
You can see all your super accounts, including any you've lost track of, through myGov linked to the ATO.
Contribution caps
There are limits on how much you can add to super each year before extra tax applies.
Insurance in super
Many funds include life, TPD or income protection cover. Closing an account can end that cover.
Fees add up
Even small differences in fees can add up to a lot over the years, so it's worth comparing.
Is it worth seeing an adviser?
General points only. The adviser looks at your situation before suggesting anything.
An adviser can help you
- Understand your fund and investment options
- Plan contributions for the years ahead
- Prepare for retirement and the Age Pension
- Work out whether an SMSF suits you
Worth keeping in mind
- Advice costs money, so ask about fees first
- Check the adviser on ASIC's Financial Advisers Register
- All investments carry risk
- You can find and combine super yourself through myGov
General information only. It isn't credit, financial product or tax advice.
Three simple steps
Answer a few quick questions
Your home, income and super as rough ranges. It takes about 2 minutes.
We pass it on
With your consent, we send your request to a financial adviser in our network, who contacts you within 3 business days.
You decide
Talk it through, ask questions and decide whether to go ahead. There's no obligation.
Super FAQs
Can my super fund help?
Many super funds offer help with your super, often at no extra cost. A financial adviser can look at your super alongside the rest of your finances.
How do I find lost super?
Through myGov, linked to the ATO, you can see your super accounts, including lost or unclaimed super, and combine them.
Should I combine my super accounts?
It can save on fees, but check first whether you'd lose insurance cover or other benefits. An adviser can look at your situation.
What is an SMSF?
A self-managed super fund is one you run yourself, and its trustees have legal responsibilities. It suits some people but not others; an adviser can tell you whether it suits you.
How do I check a financial adviser?
Every financial adviser who gives personal advice to everyday clients must be on ASIC's Financial Advisers Register, which you can search on Moneysmart.
Other ways we can help
Get the right help in your corner
Not sure where to start? Answer a few quick questions. It takes about 2 minutes, and our service is free.
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