Fee drag over decades, comparing two funds, consolidating through myGov, insurance costs and retirement access.
These guides take the fee rules and run the numbers. The checklist for comparing super funds is the starting point: it sets out the order in which to compare fees, performance, investment options, insurance and services, and links to every worked example in this section.
You can then see how a 0.5 percentage point difference in fees compounds over 30 years, how flat fees hit small balances harder than large ones, how to consolidate super through myGov step by step, what default insurance inside super costs and when you might lose it, how fees differ between investment options, when you can reach your super at preservation age 60, and how fees work once you move into an account-based pension under the transfer balance cap.
Every number is an illustrative example, not a quote from any fund and not a forecast. Use the annual fee calculator and the fee drag projection with figures from your own statement. If your decision involves insurance, a defined benefit fund or retirement income, consider a licensed financial adviser.
Worked Examples and Checklists
How fees work in an account-based pension, the minimum drawdown rates, the general transfer balance cap of $2.1 million from 1 July 2026, and a worked example.
Worked Examples and Checklists
How to combine super accounts using myGov and the ATO, your fund or a rollover form, the checks to run first on insurance and employer contributions, and a worked saving.
Worked Examples and Checklists
A step-by-step illustrative calculation of how super fee differences of 0.25, 0.5 and 1 percentage point compound over 10, 20 and 30 years, with the method shown.
Worked Examples and Checklists
A practical order for comparing Australian super funds — fees in dollars, long-term net returns, investment options, insurance, services and employer arrangements — with a worked comparison.
Worked Examples and Checklists
How life, TPD and income protection cover inside Australian super works, what premiums cost your balance, the inactivity, under-25 and $6,000 rules, and a review checklist.
Worked Examples and Checklists
How fees and risk differ between super investment options in Australia, with an illustrative comparison of four options and a method for choosing on cost and strategy.
Worked Examples and Checklists
When Australians can access super in 2026–27 — preservation age 60, retirement, leaving a job after 60, turning 65, transition to retirement — with examples and fee points.
