Member statement hub

To check your most recent balance log in to Member Online or our mobile app.
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To update your personal details, log in to Member Online or call us on 1800 005 166. You can also complete a Change your details form.
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You can view and update your communication preferences in Member Online or with our mobile app. Once you’ve logged in to your account, head to the ‘Personal details’ section.
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Our Balanced (MySuper) option produced a return of 8.58% for the year ended 30 June 2025. The Retirement Income Balanced option returned 8.9% to 30 June 2025.^*

For more on our investment performance, watch our latest investment update from our Chief Investment Officer, Suzanne Branton. You can also view our full investment returns here. 

^*On 1 November 2024, the former CARE Super fund (ABN 98 172 275 725) merged into Spirit Super and the investment options in the merged fund were aligned with the former CARE Super fund investment options (other than the Long-term option (Managed Income only)). The figures on this page that relate to the period before 1 November 2024 reflect the performance for the corresponding former CARE Super fund investment options only (other than the Long-term option (Managed Income only)). Investment performance history for the Spirit Super investment options before 1 November 2024 can be viewed here.

The preserved component of your super must stay in your super until you retire from the workforce when you reach your preservation age or until you meet another condition of release.

Non-preserved component of your super can be restricted or unrestricted. Non-preserved restricted amounts are typically tied to employment-related contributions made before 1 July 1999. Generally, if you stop working for the employer who has contributed to your fund, you may be able to access these benefits. Unrestricted non preserved amounts can be paid to you anytime (less tax and fees).

• Log in to Member Online and click on the ‘view statements’ button in the top right-hand of the screen
• Log in to the mobile app and click on the ‘inbox’ icon in the top right-hand corner
• You’ll see your Member statement in the list of correspondence we’ve sent you, dated 30 June 2025

This is your first Member statement since our merger, and you’ll notice it’s been updated to reflect the fact that you’re now a CareSuper member. Most of the information in your statement is presented in a very similar way to the statements you’ve received in the past.

Your investment summary table may include an investment option(s) with a zero balance. This could be because you switched options, were moved to a different one when Spirit Super and CareSuper merged on 1 November or opened a retirement income account during the year. You can check your current investments in Member Online or our mobile app.
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This is your first Member statement since our merger, and it looks a little different to the statements you’ve received in the past. While you can still see all your transactions, investment earnings and account details at 30 June 2025, your statement only provides details of your account from 1 November 2024 (the date we merged).

To view your transactions from 1 July to 31 October 2024, take a look at your Exit statement in Member Online or our mobile app. You can find your Exit statement in your Member Online Inbox. It’s dated 1 November 2024 and it’s called ‘CareSuper merger transfer confirmation’. 

You might not see some of the other information you’ve seen before, like a retirement income projection, however you can access our Retirement lifestyle calculator to find out how much super you could have when you retire.

 

You received a new account number when we merged with Spirit Super.
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This is because you received a new account number when we merged with Spirit Super. Your opening balance at 1 July 2024 is showing as $0.00 and your previous account balance is shown as a rollover on 1 November 2024. You can view all your past account information from your previous member statements in Member Online or our mobile app.

 

This year, your Member statement for 2024-25 is only available as a PDF in Member Online or our mobile app. While online statements like you’ve received in the past aren’t available at the moment, make sure you’re keeping track of your account balance with our highly-rated mobile app.

 

Log in to Member Online or our mobile app or call us. You can also complete a Change your income payments form. 

 

You’re legally required to draw a minimum pension, based on your age at 1 July each year, and the minimum annual withdrawal limit changes as you get older. TTR members also have a maximum payment limit. 

Check the current drawdown limits.

If you converted your super account into a retirement income account during the financial year, any insurance attached to your account would have been cancelled.

The insurance fees on your statement reflect amounts paid before your account was transferred and before your insurance was cancelled.

 

Yes, this might happen since super statements and retirement income statements may be sent out on different days. So, your statements may arrive at different times. 

 

Everyone’s personal and financial situation is different — so are your insurance needs. That’s why we give you plenty of choice when it comes to the types and amount of insurance you have. You can check how much cover you need and what it’ll cost by using our Insurance calculators.^*
Learn more about changing your insurance cover. 

* The insurance fees provided by our insurance needs calculator are estimates and assume that you don’t work for an eligible employer.  If you do work for an eligible employer, the fees you’ll pay will be different. See the Insurance Guide or call us on 1800 005 166 for more information. You can check what cover you have in Member Online or our mobile app.

 

Take a look at our insurance through super page for more. 

 

Get started here and find out more about the different types of cover available to you. If you still need more information, call us on 1800 005 166.

If you think you’re eligible to make an insurance claim, read about our claims process. To get started on your claim, call us on 1800 005 166.
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If you cancelled or changed a nomination after 30 June 2025, your Member statement may not capture your updated nomination. To check your current beneficiary nomination, log in to Member Online. 
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Nominating your beneficiaries gives you peace of mind and helps protect your loved ones once you’ve gone. There are different nomination types you can choose from: Non-binding nomination, Binding nomination (lapsing or non-lapsing) and Reversionary nomination (for retirement income members only). Get started here.

 

This could be because you switched options, were moved to a different one when Spirit Super and CareSuper merged on 1 November or opened a retirement income account during the year. You can check your current investments in Member  Online or our mobile app.

 

Take a look at our 5-step guide if you’re trying to choose from our range of options. You can also to chat to a Super Adviser about your investments at no extra cost.^* 

Here’s more about changing your investments.

^* CareSuper Advice is a financial advice service available to CareSuper members through CareSuper Advice Pty Ltd, ABN 78 102 167 877, AFSL No. 284443 which is licensed to provide financial advice services and deal in financial products. CareSuper Advice Pty Ltd is a wholly owned company of CareSuper (Secretariat Co) Pty Ltd ABN 29 104 826 413, a related entity of CareSuper Pty Ltd ABN 14 008 650 628, AFSL No. 238718 (Trustee) which is the trustee of CareSuper ABN 74 559 365 913 (Fund).

The Balanced option invests in a diversified mix of assets with an emphasis on Australian and overseas shares, property and infrastructure. 
As a super member, this is the option your money goes into if you don’t make an investment choice. 

It’s important to get financial advice before switching investments. That’s why we offer expert advice over the phone as part of your CareSuper membership. Learn more and request a call back here.

 

Yes. You can be as hands-on with your investments as you like. There’s a lot to consider and we recommend you read more about investment choice before you switch investments.

It’s important to get financial advice before switching investments. That’s why we offer expert advice over the phone as part of your CareSuper membership.^* Learn more and request a call back here.

 

^* CareSuper Advice is a financial advice service available to CareSuper members through CareSuper Advice Pty Ltd, ABN 78 102 167 877, AFSL No. 284443 which is licensed to provide financial advice services and deal in financial products. CareSuper Advice Pty Ltd is a wholly owned company of CareSuper (Secretariat Co) Pty Ltd ABN 29 104 826 413, a related entity of CareSuper Pty Ltd ABN 14 008 650 628, AFSL No. 238718 (Trustee) which is the trustee of CareSuper ABN 74 559 365 913 (Fund).

If you’re missing a contribution, check your Member Online account or our mobile app first then talk to your employer. Your employer will need your account number and our fund details to pay contributions to your CareSuper account. 

If you’ve talked to your employer and still believe contributions haven’t been made on your behalf, you can lodge an enquiry on the ATO website using the online Employee superannuation guarantee (SG) calculator tool. You’ll remain anonymous while using this tool – it’s only if and when you choose to lodge an enquiry with the ATO that your personal information will be transmitted.

From 1 July 2025, employers need to pay at least 12% of your ordinary time earnings including commissions, shift-loadings and allowances, but not overtime payments. For the 2024-25 financial year, the super guarantee rate was 11.5%.
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These fees represent the internal and external cost of professionally managing the investments in your super account.

Investment fees and costs and transaction costs vary depending on the investment option(s) you’ve selected. These fees are deducted from investment returns before being applied to your account through the daily calculation of unit prices. Since these costs aren’t directly deducted from your account, you won’t see them listed in your transactions, but they are detailed in your Member statement.

 

• Super fees and costs
• Retirement fees and costs

If you have questions about the fees you’ve been charged, contact us. 

 

Learn more about the current contribution limits. 

 

You can make an after-tax contribution to your super through your online banking using your BPAY® details, available in Member Online or our mobile app.

 

Learn more about the current contribution limits.