Lost and found super
Make the most of your super by keeping track of it.
Keeping track & lost super
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Have you kept track of all your super? If you’ve ever changed your name, address, job, or done casual or part-time work, you may have lost track of some super.
Registering online with the ATO will help protect the personal information displayed and ensure that any transactions are only made by you.
Check your super statement
Getting your annual super statement is a great trigger to do a quick review of your super.
Whether you receive your statement by post, online or in an email don’t neglect or delete it. Check the following details and think about any changes you want to make.
If you don’t understand the statement or think there is an error, contact your super fund. You have the right to a clear explanation.
Keep all your statements in a safe place so you can keep track of your accounts and know how to contact your fund.
Check your employer’s super contributions
Employers must pay contributions at least quarterly, although many employers make their super payments more often than that. Your payslip must show the amount of super contributions that have been paid into your fund and the date they are to be paid into your account.
Your employer must make minimum contributions according to the current super guarantee (SG) rate, although they can elect to pay more than the minimum. Use our employer contributions calculator to check that you are receiving what you are entitled to.
This is especially important if you are a casual or part-time worker. Talk to your employer if you don’t think you are being paid the correct amount of super.
If you are concerned about unpaid super contributions, see the ATO’s information on unpaid super or call 13 10 20.
Keep track of your super to boost your retirement income. The sooner you take control, the greater the benefit. Act now.
The information in this article is of a general nature only and does not consider your personal objectives, financial situation or particular needs.
Source: ASIC’s MoneySmart website, 02 September 2015. https://www.moneysmart.gov.au/superannuation-and-retirement/keeping-track-and-lost-super