{"id":39765,"date":"2026-07-08T13:13:10","date_gmt":"2026-07-08T03:13:10","guid":{"rendered":"https:\/\/www.fuserecruitment.com\/?p=39765"},"modified":"2026-07-08T13:40:31","modified_gmt":"2026-07-08T03:40:31","slug":"when-did-you-last-check-super","status":"publish","type":"post","link":"https:\/\/www.fuserecruitment.com\/blogs\/when-did-you-last-check-super\/","title":{"rendered":"When was the last time you checked your Super?"},"content":{"rendered":"

Changing Jobs: Should You Review Your Super Fund?<\/strong><\/h2>\n

Starting a new role brings a lot to think about, from negotiating your salary and meeting your new team to understanding your entitlements.<\/p>\n

Superannuation is often the last thing on the list, but a job change is actually one of the most practical moments to take stock of your super arrangements.<\/p>\n

Here is what you need to know.<\/p>\n

What happens to your super when you change employers?<\/strong><\/h2>\n

Under Australia\u2019s super stapling rules, your existing super account follows you when you move jobs. This means you\u2019re less likely to have a new account automatically opened with your new employer\u2019s default fund.<\/p>\n

If you don\u2019t nominate a super fund when you start a new role, your employer will generally identify your \u2018stapled\u2019 fund through the ATO and direct contributions there. However, you can choose a different fund at any time if you prefer.<\/p>\n

This is designed to prevent Australians from accumulating multiple accounts and the duplicate fees that come with them. It\u2019s a sensible default, but it does not mean you should simply set and forget.<\/p>\n

Why a job transition is a good time to review<\/strong><\/h2>\n

A new role creates a natural pause. You are already reviewing your finances, your contract, and your working arrangements. Adding super to that checklist takes little effort and can make a meaningful difference over time.<\/p>\n

Having multiple super accounts can mean paying multiple account fees and duplicated insurance costs. Consolidating your super may reduce duplicated fees and make it easier to track your balance, but first check any insurance cover, benefits, fees or tax implications you may lose or incur.<\/p>\n

Key things to consider when starting a new role<\/strong><\/h2>\n

When you begin a new job, take the time to ask yourself the following.<\/p>\n

Do you know where your super is currently held? If you have changed jobs before, you may have accounts you have lost track of. The ATO’s online services can help you locate any super in your name.<\/p>\n

Is your current fund working for you? Performance, fees, and investment options vary between funds. The ATO’s YourSuper comparison tool lets you compare MySuper products side by side. Past performance is not a guarantee of future returns, but it provides a useful starting point.<\/p>\n

Do you want to consolidate? If you have multiple accounts, bringing them together can reduce fees and simplify your financial life. Before doing so, check whether any of your existing accounts hold insurance cover that would be lost upon closure.<\/p>\n

Are your insurance arrangements still appropriate? Super funds commonly provide death, total and permanent disablement, and income protection cover. When you change employers, it is worth reviewing whether your existing cover remains active and whether the level of cover still suits your circumstances.<\/p>\n

Practical tips for job seekers<\/strong><\/p>\n

Whether you are actively exploring new opportunities or simply keeping your options open, these steps will help you stay on the front foot, both in your job search and with your super.<\/p>\n