Keeping track & lost super
Find your lost super and get back on
Your super is your retirement savings, so it's important to know
what super accounts you have and how much is in them. Here we
explain how to track down lost super, how to consolidate them and
how to work out if you have enough super.
How to search for lost
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 of your super.
Look after your super because it needs to look after you in
You can check your
super by registering for the Australian Taxation Office's
online services via myGov.
This will allow you to:
- see details of all your super accounts, including any you may
have lost or forgotten about.
- find ATO-held super, held on your behalf when your super fund,
your employer or the government couldn't find an account to deposit
your super to.
- consolidate your super into a single fund.
If you have recently opened a super account, it may take up to 6
months to appear on your MyGov account.
You can still consolidate your super by completing a
balance transfer form for each super account you want to
transfer from and mailing it to your new super fund. See consolidating super funds for
Case study: Christian finds his lost super
Christian had just started his first full-time job
after finishing university. He had worked a few casual jobs while
studying, but hadn't thought much about his super. His new boss
suggested he do a search to find any super he might have lost.
Christian had already set up a MyGov account to do his tax return
online but hadn't realised he could use the account to track his
When he logged on to his MyGov account he could see that he
already had two active super funds with a combined balance of
$2,500. He was really surprised that he had accumulated this much
super from two casual jobs.
When Christian looked into each super fund, he found he was
paying fees on both and also had insurance premiums being deducted
from each account. He decided to consolidate his super into one
account and chose the fund with the better overall long-term
investment returns and lower fees. He used the super consolidation
tool on the MyGov website to combine them into one fund and then
told his employer to pay his super into his chosen fund.
Christian's retirement is a long way off but he knows that
getting on top of his super now will put him much further ahead
when he eventually retires
How to check your super
When you receive your annual super statement, review the
information to ensure it's still correct. See checking your super
statement for the things to look for.
Find out if you have enough
We explain how much is enough super but we
also have a range of super calculators to help you crunch the
If you want to more money to spend in the
future, you need to keep track of your super today. Finding lost
super and bringing it all together will save money on fees and make
your super easier to manage.
Last updated: 04 Sep 2017