The checks to run before you roll super into one account or move to a new fund.
0 / 12 completed
Use this checklist before you consolidate several super accounts into one, or switch your only account to a different fund. Tick each item as you go; your ticks are saved in this browser only.
Consolidating usually means one set of administration fees and one set of insurance premiums instead of several, which is why it is often worthwhile. But rolling an account over closes it, and any insurance inside it normally ends. That is the most common way people lose cover they needed, particularly if a medical condition would make new cover hard to get. Some accounts also carry features that cannot be replaced: a defined benefit interest, an employer that only pays extra contributions into its own fund, or a retirement income stream with older rules.
Order matters: compare first, arrange insurance second, move money third, and tell your employer last. The rollover itself is free when you do it through myGov or your fund. See the step-by-step guide to consolidating super through myGov.
This is general information, not financial advice. If you are unsure about insurance or a defined benefit interest, speak to your fund or a licensed financial adviser before acting.
Mistakes, Complaints and Official Sources
How to make a complaint to your super fund, how long the fund has to respond, when and how to go to AFCA free, the time limits for super complaints, and what to include.
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.
Mistakes, Complaints and Official Sources
The lawful ways to access super early in Australia — severe financial hardship, compassionate grounds, terminal illness, incapacity — the limits, and the illegal early release schemes to avoid.
Mistakes, Complaints and Official Sources
How to find lost and unclaimed super in Australia using myGov, the ATO app or phone line, what ATO-held super is, and how to claim it without paying anyone.
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.
Mistakes, Complaints and Official Sources
Who gets your super when you die, how binding and non-binding nominations work, who counts as a dependant, tax on death benefits, and the nomination mistakes to avoid.
