Sort your super in one of life's spare moments
Finding a moment in life to sort your super is easier than you think. Whether it’s waiting for your morning coffee order or during your daily commute, why not make those moments productive and get your super sorted?
Combining your super can mean you’ll pay less fees, have less to worry about, and it could improve compound interest over time, helping you save more for your future.
It’s super easy to do:
✔ Get started
Log in online and head to the ‘Combine your super’ tool. Be sure to have your mobile handy, we’ll send you a verification code. If you haven't logged in to your online account before, you can register here.
✔ Find your super
Verify your identity and we’ll locate any super in accounts you have with other funds.
✔ Confirm your details
Select the funds you want to combine and check ‘combine my super’ off your to-do list.
What combining your super could mean for you?
Combining your super not only feels good but it could potentially improve the health of your super balance when you reach retirement.1
Before you combine your super, remember it’s important to check with your other super funds if there are any fees, tax implications, loss of insurance or other benefits when withdrawing your funds.
Combine your super and you could save on fees1
This example is indicative only, and is designed to illustrate that having three super accounts can result in more fees than one super account alone. Actual outcomes may be different, for example actual fees may change in the future and therefore the figures shown are not guaranteed.
1 The information contained in this article is of a general nature only and does not take into account your objectives, financial situation or needs. Before making a decision about your UniSuper membership, you should consider your personal circumstances, the relevant product disclosure statement (PDS) and whether to consult a qualified financial adviser. For a copy of the PDS, call UniSuper on 1800 331 685 or go to unisuper.com.au
2 This calculation is carried out by UniSuper Management Pty Ltd (USM) based on data sourced from Zenith CW Pty Ltd (Chant West) (ABN 20 639 121 403) Super Fund Fee Survey December 2020 (Survey). The calculation for Alex is based on the member having $100,000 in UniSuper's Balanced option. The calculation for Jude is based on the member having a total of $100,000 across three super funds with $33,333.33 in each. Fees per annum for this calculation total $1,043 which comprise of UniSuper $249 (as invested in UniSuper’s Balanced option), Aware Super $387 and Hesta $407. Fees for the two non-UniSuper funds are calculated based on the investment fees of their respective investment options similar to UniSuper's Balanced option within Chant West's Growth [61%- 80%] investment category as part of the Survey. The two other non-UniSuper funds are calculated based on the investment fees of their respective investment options similar to UniSuper's Balanced option within Chant West's Growth [61%- 80%] investment category as part of the Survey. The two other non-UniSuper funds were chosen because they are non-retail, open to the public and with funds under management between 50 to 100 billion dollars. Other non-UniSuper funds could have been selected for the purposes of comparison which may have resulted in a lower total fee. Where relevant, fees have been grossed-up by Chant West for consistent comparison as the published fees, by some funds, are net of tax.
3 For illustrative purpose, the total amounts over a 30-year period are calculated by USM based on simplified assumptions: 30 x $1,043 = $31,290 for Jude and 30 x $556 = $16,680 for Alex. This assumes that the fees in each future year remain the same. In practice, fees would generally increase as the account balance grows because some fee components are determined as a percentage of the account balance.
The Chant West data is based on information provided by third parties that is believed accurate at the time of publication. Past performance is not a reliable indicator of future performance. Your objectives, financial situation and needs have not been taken into account by Chant West and you should consider the appropriateness of this information having regard to your objectives, financial situation and needs, and read the relevant Product Disclosure Statement, before making any decisions. Chant West’s Financial Services Guide is available at www.chantwest.com.au