1. Get to know your super

Gain instant access to all your super needs – including your balance, investments, insurance cover (if eligible) and annual statements. Log in to MemberOnline. It’s quick, easy and secure.

2. Check your employer is making super contributions  

Employers are required to pay super guarantee (SG) contributions to eligible employees at least 4 times per year. It’s a good idea to check you’re being paid the super you’re entitled to, by navigating to the ‘Account activity’ section in MemberOnline.

3. See how your super’s tracking

Curious about how your super balance compares to others your age and whether you're on the way to a comfortable retirement? Explore our Super balance comparison tool and see how you’re tracking.

4. Contribute a little extra

You can make a one-off super contribution or set up a regular, ongoing payment through your employer or financial institution. How do you make a personal super contribution? Well, you’re spoilt for choice:

• BPAY^®. View your BPAY number in the personalised details section in MemberOnline or contact us on 1300 360 149
• Payroll deduction (if your employer offers this option)
• Cheque. Complete the Contribution form, attach your cheque and send to CareSuper, Locked Bag 20019, Melbourne Vic 3001.

Salary sacrificing is another way to grow your super, and it could even save you on tax. Download the Contribution authority form and give it to your employer.

We’ll need your tax file number (TFN) on record before we can accept contributions from you and remember to check the super contribution limits set by the government.

5. Combine your super

Keep all your super together and roll any other super into your CareSuper account. One account. One set of fees. What’s not to love?^{^}

6. Invest your super to match your goals

You have 12 investment options to choose from, each with different targets for returns and levels of investment risk. Or, take control with our Direct Investment option. If you want to change your investments or not sure which option(s) is best for you, our financial planners are here to help – and it’s all part of your membership.*

7. Tailor your insurance to your life stage 

Access our affordable insurance offering to ensure you’re prepared for any curveballs life has in store. Use our Insurance calculator to see how much cover costs. Also, if your life changes or you celebrate a milestone birthday, you may be eligible to apply to increase your existing death, TPD and income protection insurance under our Life events cover. 

8. Discover how to plan for retirement and your income options

If you’re looking to wind-down work soon(ish), it’s worth putting a plan in place – the Retirement readiness checklist can help you.  

Also, did you know there are different ways you can access your super when you become eligible? You have options when it comes to drawing a tax-effective income from your super in retirement – we can be your super fund for life.

9. Seek financial advice

You don’t have to fly solo. Set up a call with our financial planners to get a personalised look at your account at no-extra cost.* See your advice options.

10. Check we’ve got your correct contact details

We wouldn’t want you to miss out on any important updates to your super. Head to the ‘Personal details’ section in MemberOnline to check or update your contact details, so we can keep in touch.

^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.

*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.