Super tips

Super tips

A change is as good as a holiday. And I ‘holiday’ a lot.
But always keep my super in one place.

You + Us = Success

Your super’s already with a fund that successfully outperforms over the long term (that’s us). While we’re focussed on growing and protecting your super, there are some things you can do too!

1. Super at your fingertips

Check your balance using your phone and update your personal details at any time. Log in here and click the person icon in the top right.

2. Combine your super^  

Keep track of all your super when you change jobs, roll them into your CareSuper account online. One account. One set of fees. What’s not to love?

Log in or register

  • Verify your identity
  • Search for your other super and roll into one
  • Call us on 1300 360 149. We’d be glad to help.

^Before 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.

3. Salary sacrifice

Salary sacrificing into your super account is one of the many ways to grow your super, and possibly save on tax. Find out more here.

Or download this form and give it to your employer.

How much? Use our spare change calculator to decide how much you can afford to salary sacrifice or contribute in other ways.

Then log in to check your balance, investment options and projected balance at retirement.

4. Explore your insurance options

Log in to your MemberOnline account to review your insurance cover and make changes if you need.

As a CareSuper member you have access to competitive rates and can calculate the cost of applying or tailoring your death, total and permanent disablement (TPD) and/or income protection insurance by visiting our insurance calculator.

5. Mix and match your investments to suit your own goals

CareSuper has 12 investment options each with different targets for returns and levels of investment risk, plus our Direct Investment option.

You can mix them yourself — or ask for advice. Call us on 1300 360 149.

Advice is included*

Access expertise to review your financial future.

Watch this video where CareSuper’s Head of Financial Advice, Renae Anderson, explains the ‘how to’ of getting advice from a CareSuper financial planner.

Over-the-phone advice is covered as part of your membership.

Call us on 1300 360 149 to ask about your super, insurance or investment choices.

*Financial advice obtained over-the-phone, or through MemberOnline, is provided by Mercer Financial Advice (Australia) Pty Ltd (MFAAPL) ABN 76 153 168 293, Australian Financial Services Licence #411766

Comprehensive advice is provided by one of our financial planners who are Authorised Representatives of Industry Funds Services Limited (IFS). IFS is responsible for any advice given to you by its Authorised Representatives. Industry Fund Services Limited ABN 54 007 016 195 AFSL 232514.

Complex personal financial advice is provided by Australian Unity Personal Financial Services Limited (ABN 26 098 725 145, AFSL 234459). Australian Unity will discuss any applicable fees directly with you prior to them being charged. CareSuper receives no financial incentives or commissions regarding this referral service.

Super handy numbers

Find our ABN, USI, SPIN, BPay and other identification numbers here.

Super stapling
Your super account is now ‘stapled’ to you and will follow you from job to job. Stapling was introduced as part of the government’s Your Future, Your Super reforms.

This website contains general advice, not taking into account your particular financial needs, circumstances or objectives. You should consider your own investment objectives, financial situation and needs and read the appropriate product disclosure statement and target market determination before making an investment decision. You may also wish to consult a licensed financial adviser. Past performance is not a reliable indicator of future performance and you should consider other factors before choosing a fund or changing your investments.