Super basics

Superannuation (or ‘super’) is money that is put aside during your working life to provide an income to replace your wages or salary when you wind-down work. Understanding your super early can set you up so you'll be well placed financially when you retire.

With so much choice, how do you know you're with the right super fund for you? We're confident your account's in great hands, but what's important is that you feel the same way. Here are four indicators of a super account that's acting in your best interests.

Ever wondered how being with an industry fund makes a difference to your super? There’s more to it than superior returns and competitive fees. We unpack the trademarks of industry super and how they drive the way we manage your money.

The importance you place on your super can be broken up into life stages, with key considerations and strategies for each age group. There are benefits to early planning and seeking financial advice, and CareSuper offers expert guidance to help you maximize your retirement savings.

Explore the difference between personal contributions and salary sacrifice and their benefits, limitations, and tax implications to help empower you to make informed decisions for your financial future.

Soon, you’ll become a member of a bigger and stronger CareSuper, when we merge with fellow industry super fund, Spirit Super. We’re keeping what you know and love, while introducing new benefits for members.

On November 1, CareSuper will merge with Spirit Super, creating a larger fund with over 550,000 members and $53 billion in assets. To prepare, members should read the Significant Event Notice, cancel BPAY and Direct Debit contributions, and update contact details. Important changes include the closure of the Capital Guaranteed option and adjustments to retirement income accounts.