Member statement hub

Find out how to set up and access your account.

We’ve answered some common questions in our Member Online FAQs.

If you had an account with us on 30 June 2026, we’re required to send you an annual Member statement showing your transactions, account balance and other key details for the financial year.

If we have a valid email address for you and you haven’t opted out of receiving your statement electronically, we’ll email you when your statement is available in your Member Online inbox.

If we don’t have a valid email address for you or if you’ve opted to receive your statement in the mail, we’ll post your statement to the address we have on record for you. You’ll also be able to download your statement from your Member Online inbox.

• 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 2026
• Once downloaded, you can print your statement

Your Member statement includes details of all your transactions for the financial year, as well as other information, including your investment options and earnings, insurance cover (if applicable), beneficiary nomination details and a breakdown of the fees you paid throughout the financial year. While you’re waiting for your statement, you can also view these details in Member Online or the CareSuper app.

If your super was transferred to CareSuper on 1 October 2025 and you were still a member with us on 30 June 2026, yes we’ll be sending you an annual Member statement.

Your statement will show all your transactions from 1 October 2025 onwards. Visit the MIESF information hub for more details.

Visit our investment performance page for the latest information. Your statement will include your investment earnings for the 2025-26 financial year. You can also see this information from the ‘Transactions’ section of your Member Online account.

All of CareSuper’s pre-mixed options outperformed their investment objectives, supported by resilient markets, even as inflation and higher interest rates remained a feature of the environment. Strong gains from shares, credit, infrastructure and alternatives asset classes helped support overall portfolio performance.

There’s more information in our 2026 EOFY investment update.

This could be because you switched options or opened a retirement income account during the year. You can check your current investments in Member Online or our mobile app.

Our investment approach is designed to deliver over the long term and provide a ‘smooth ride’ to our members with diversification at its core. We seek to deliver consistent returns that exceed inflation over the medium to long-term, while helping to minimise the impact of market falls on your retirement savings. We do this through active management and diversification, where we invest across a broad range of asset classes and strategies, and diversify return sources.

Our aim is to provide you with confidence that your super is built to navigate different market environments.

Learn more about our investment approach in this short video.

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 (our MySuper option). You can visit Portfolio Holdings Disclosure for a closer look at what each investment option is invested in.

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 consider 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.

Take a look at our 5-step guide to help you feel confident about your choices. You can also to chat to a Super Adviser about your investments at no extra cost.*

Find out more about choosing an investment option that’s right for you.

*CareSuper Advice is a financial advice service available to CareSuper members through CareSuper 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.

Employers need to pay at least 12% of your qualifying earnings including commissions, shift-loadings and allowances, but not overtime payments. For more information, see the ATO website.

This amount is the total of:

• any administration fees (if you’re a member of the Direct Investment option [DIO], this includes any DIO administration fee amounts you paid), plus
• any gross insurance fees (if applicable)

that were deducted from your account during the 2025-26 financial year.

Your total administration fee amount is shown in the ‘Account summary’ section of your statement.

For a full explanation of your insurance fees, refer to ‘Tax benefits – insurance fees (if applicable)’ in the ‘Additional explanation of fees and costs’ section of your statement. Tax benefits may apply to insurance fees. Throughout your statement, you’ll see both gross and net insurance fees.

This amount represents 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.

This approximate amount has been deducted from Fund assets held in General Reserves on your behalf, to meet administration expenses for the 2025–26 financial year that exceeded the administration fees and costs relating to your account for that financial year. This amount is not directly deducted from your account.

As a profit-to-member fund, we're always looking for ways to deliver more value to you. One way we do this is by using our reserves to help cover administration costs—so less comes out of your account.

Any fees deducted from your account for financial advice services will be shown on your statement. The advice fee shown on your statement may relate to different advice services provided to you during the financial year.

If you have any questions about a fee shown on your statement, please contact your financial planner directly.

You can find the latest information about CareSuper fees by visiting:

• Super fees and costs
• Retirement fees and costs

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

To check your most recent balance log in to Member Online or our mobile app.

First, log in to Member Online. Then in the ‘Transactions’ section, look for your ‘Account snapshot’. Your snapshot shows you your current account details.

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.

You can also learn more about the current contribution limits.

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

The 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).

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.

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

Check the current drawdown limits.

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.

Nominating your beneficiaries can give you peace of mind and help protect your loved ones if you pass away. There are different nomination types you can choose from: binding (lapsing or non-lapsing), non-binding and reversionary nomination (for retirement income members only). Get started here.

If you recently cancelled or changed a nomination, your Member statement may not capture your updated nomination. To check your current beneficiary nomination, log in to Member Online.

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

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.

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 calculator are estimates. Estimates are not available for Category D cover. Eligibility conditions apply, and applications may be subject to acceptance by our insurer and any relevant terms and conditions. Read the Insurance guide for more information. You can check your current cover and costs in Member Online and the CareSuper app. You can check what cover you have in Member Online or our mobile app.