7 steps to healthy super
Your super is likely to be one of your biggest financial assets, so it's important to keep it growing strong. By taking a few simple steps now, you can make a big difference to your super in the long term.
1. Log in to Member Online
Super shouldn't be out of sight, out of mind. By accessing your Member Online account, you can check your balance and transactions, view and change your investment options and insurance cover on the go. Plus, updating your details in Member Online means you'll never miss an annual statement or important update about your super.
Log in to Member Online anytime, anywhere or download the CareSuper app.
2. Combine your super
If you've worked multiple jobs, chances are you have more than one super account. Combining your super into one account makes it easier to manage,1 and could save you paying extra fees!
It's easy to combine your super and takes only minutes in Member Online.
3. Start making extra contributions
While your employer contributes to your super, adding a little extra can make a big difference to your balance over the long term.
Learn about the different contribution types and which ones could benefit you.
See if you're eligible to receive up to $500 with a government co-contribution.
4. Review your investment options
Are you invested in the investment option that's right for you? Choosing the right investment option at the right time can make a big difference to your super balance over time. We offer a range of investment options, each with different return targets and levels of investment risk, plus a Direct Investment option. The right option for you depends on your personal goals, financial situation, risk tolerance and how long your super will be invested.
Explore your investment options or speak with a super expert.2
5. Nominate who gets your super
When the unexpected happens, make sure your super goes to the right people. By nominating a beneficiary, you're telling us who you want to receive your super (plus any insurance benefit) when you pass away.
Learn more about the different types of beneficiaries.
6. Check your insurance
As a super member, you're saving for your future, but your super can also protect you now. With access to insurance through your super, paid from your super account, you may be covered if something hits you out of the blue.
Review your level of cover in Member Online and make sure it's right for you.
7. Get the right advice
Managing your super doesn't have to be complicated. As part of your membership, you have access to super advice at no extra cost.3
Our team is ready to help. Speak with a super advice expert today on 1800 005 166 or book an appointment.
Disclaimers:
This is general information only and doesn't take into account your objectives, financial situation or needs. Before making a decision about CareSuper, you should consider if this information is right for you. You may also wish to consult a licensed financial adviser.
1Before combining your super into CareSuper you should consider whether this is right for you and check if you will be charged any fees. You should also check the impact on any insurance arrangements (such as loss of insurance) or other benefits. Contact us to find out if you're eligible to transfer your cover to us before combining accounts. Consider if you want to claim a tax deduction or split contributions, as you won't be able to do this on the contributions you've transferred. Once combined, let your employer know you've changed super funds. All future contributions should then be paid to CareSuper.
2,3 Consider the PDS and TMD at caresuper.com.au/pds. Issued by CareSuper Pty Ltd (Trustee) (ABN 14 008 650 628, AFSL 238718). CareSuper (Fund) (ABN 74 559 365 913). 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).