Updated on 6 December 2024
3 minute read
Whether you're kicking off your career or making a change, there's a lot to wrap your head around in the first few weeks of a new job. And let's be honest, your super probably isn't at the top of your to-do list. But it's worth giving it a bit of thought – after all, it's your money for the future.
Your new employer will ask you where you want your super to go. It's a good time to take stock.
Already have a super account you're happy with? You can stick with it.
Join a new super fund of your choice.
Join your employer's default super fund.
If you're a member with Australian Retirement Trust, you can use our superannuation standard choice form.
If your super fund is different to your employer's default fund, they may ask for:
If you’re a member with us, you can find our important numbers online, on our app, or in your online account.
Your super is your money for the future, and it's important to choose a fund that'll help you reach your retirement goals. Take the time to compare different funds for things like their performance, fees, and investment options.
The best fund for you should have the features you need while keeping costs as low as possible. Check out our tips on what to look for when choosing super funds to get you started.
If you're aged under 18 and working, you may be eligible for super payments. You'll need a superannuation account if you work more than 30 hours a week and you're casual, part-time or full-time.
Some employers choose to pay super even if you work less than 30 hours, so it helps to check. If you're under 15 years old, you'll need your parent or legal guardian to sign off on your membership.
When you're starting a new job, don't forget about your old super account. If you've had more than one job, changed your name or moved house, you might have some missing super. When saving for your dream retirement, every little bit helps.
Here are some ways to make sure you stay in control.
Check for lost or unclaimed super via your myGov account. If you're a member with us, it's quick and easy to run a lost super search.
Consider consolidating accounts to save on fees – we can help you roll over your funds.
Keep your details up to date so your fund can reach you and make sure all your contributions are where they should be. If you're a member with us, you can do this online.
Think about whether it’s right for you. You will lose access to benefits such as insurance or pension options, and you need to consider tax implications.
Close to 2.4 million members trust us to look after their super. We’re here to help, no matter where your career takes you.
Here's what to compare when choosing a super fund that's best for you.
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