Seven Tips for Managing Your Super

Now that you are settled into your role, your super is quietly building in the background with every pay. It is easy to leave it there and never look. But a little attention now can make a real difference to what you retire with. 

You do not need to be a finance expert. These seven practical tips cover some key things to know when managing your super.

1. How do you check your super contributions?

Log in to your super account and confirm your employer is paying the right amount. Since Payday Super began on 1 July 2026, contributions should arrive with each pay cycle.

Compare the contributions in your account against your payslips. Employers must pay the full 12 per cent super guarantee, and payments must reach your fund within seven business days of your pay date. If something looks short or missing, raise it early while it is easy to fix. 

2. Should you consolidate multiple super accounts?

If you have changed jobs over the years, you may have more than one super account, each charging its own fees. Consolidating into a single fund can stop those fees quietly eroding your balance. 

You can view and combine your accounts through ATO online services via myGov, which lists every account linked to your tax file number. Before you consolidate, check whether any account holds insurance cover, because closing it cancels that cover. 

3. How do you find lost or unclaimed super?

Super becomes lost when your fund cannot contact you or your account stops receiving contributions. The ATO reports lost and unclaimed super reached $18.9 billion across almost 7.3 million accounts as at 30 June 2025. 

The same myGov super section shows any lost or ATO-held amounts under your name. Reclaiming money you had forgotten is one of the quickest wins in managing your super. 

4. Is your super fund the right one for you?

Fees and long-term performance vary between funds, and small differences compound over a working life. It is worth confirming your fund still suits you. 

The ATO’s YourSuper comparison tool lets you compare MySuper products side by side on fees and net returns. Focus on: 

• Fees, because they apply every year regardless of performance. 

• Long-term returns, rather than a single strong or weak year. 

• Investment options that match how long until you retire. 

5. Do you have the right insurance in your super?

Many super funds include death, total and permanent disablement, and income protection cover. Cover that suited you a few years ago may no longer match your salary, your family, or your circumstances. 

Check what cover you hold, what it costs, and whether it still fits. If you hold multiple accounts, you may be paying for cover more than once, which is another reason to review before consolidating. 

6. Have you reviewed your super beneficiaries?

Your super is generally not covered by your will, so unless you nominate a beneficiary with your fund, the trustee may decide who receives it. A valid beneficiary nomination can help guide how your super death benefit is paid.

Prime Super recommends reviewing your nomination after major life events, such as marriage, separation, or the birth of a child. The ATO also suggests confirming your beneficiary as part of its yearly super health check. 

7. Are your contact details up to date?

This is the simplest tip and the most overlooked. An old address or email is the most common way accounts drift into lost territory. 

Update your contact details with both your fund and the ATO whenever they change, especially after a move. It takes two minutes and keeps your super, your statements, and any alerts reaching you. 

What is the easiest way to stay on top of your super? 

Set a simple routine. A quick balance check after paydays confirms your contributions are arriving, and a fuller review once a year keeps everything else in order. Tax time is an easy annual anchor. 

Superannuation rules can be complex, and what suits one person may not suit another. If you are unsure about any of these steps, Prime Super offers access to super specialists who can provide personalised support. To book a chat, visit here. 

How can Fuse Recruitment help? 

At Fuse, we work with candidates across a wide range of industries and career stages. We understand that a strong career involves more than the role you are in today. It involves making confident, informed decisions about your financial future as well. 

As we continue to build our candidate resources, we are committed to connecting you with the right information at the right time, including practical matters like superannuation that often get overlooked. Now that you are established in your role, our team is still here whenever you need us. 

For more information about managing your super, visit primesuper.com.au or call Prime Super on 1800 675 839. 

Important Notice 

This email is current as at the date of sending and is subject to change. It contains general information only and does not take into account your specific objectives, financial situation, needs or personal circumstances. You should seek personal advice or professional financial advice, consider your own circumstances and read our Product Disclosure Statement (PDS) before making a decision about Prime Super. A copy of the PDS and Target Market Determination is available by calling 1800 675 839 or by visiting primesuper.com.au/pds. 

Prime Super Pty Ltd ABN 81 067 241 016 AFSL 219723 RSE L0000277 is the Trustee of Prime Super ABN 60 562 335 823 RN 1000276.