Superannuation
It’s not just super. It’s your independence.
Take charge of it today.
Super and retirement solutions
What is superannuation?
Your super is one of your most valuable assets. It's a retirement fund that you contribute to and invest in over the course of your working life. While your retirement may seem far off, your super is essential to your financial independence.
Your employer generally pays 9.5 per cent of your salary to your super account (called Superannuation Guarantee contributions). There may also be tax incentives for paying in extra yourself.
You can usually only access your super once retired, but taking action now can give you a better retirement down the track.
How can ANZ help?
Super
Your retirement fund for the future.
Pension
A regular income to help fund your retirement.
Employer super
Understand your super, offered through your workplace.
Self managed super
A Self Managed Super Fund (SMSF) is a private super fund that you manage yourself. For an SMSF trustee, managing multiple cash flows can be complicated and time consuming. Thankfully, the ANZ SMSF Cash Hub Account brings it all together to use, move and manage your SMSF cash in one place.
Your super. Your choice.
Most employers let you choose a super fund, but if you don't choose, they'll pay contributions into a default fund. Choose the fund that suits you and look for:
Low fees - fees can vary greatly, and high fees can erode your balance.
Investment choice - choose a fund with investment options that suit your needs.
Insurance - some funds offer tax-effective insurance for you and your family.
One super account for life.
Many of us pick up a new super account with each new job, and end up paying multiple sets of account fees.
Choosing a single super account that stays with you from job to job can help you:
- reduce your costs, with only one set of fees
- manage your investments more easily
- keep track of how much money you have.
Other superannuation products
Information on other superannuation products for existing members. These products can no longer be purchased.
How to compare
Unsure of what to look for in a super fund? It’s important to do your research, compare and make an informed decision on what fund suits you. Start comparing today.
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OnePath Custodians Pty Limited (ABN 12 008 508 496 AFSL 238346 RSE L0000673), a wholly owned but non-guaranteed subsidiary of Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (ANZ), is the issuer of interests in “ANZ Smart Choice Super”, a suite of products consisting of ANZ Smart Choice Super and Pension (PDF 113kB), ANZ Smart Choice Super for employers and their employees (PDF 122kb) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF 124kb). You should consider the ANZ Financial Services Guide (PDF 479kB), relevant PDS, Additional Information Guide and the Electronic Access Terms and Conditions before deciding to acquire, or continue to hold, an interest in ANZ Smart Choice Super. You should also consider whether ANZ Smart Choice Super is appropriate for you.
Before re-directing your super or moving your money into ANZ Smart Choice Super, you will need to consider whether there are any adverse consequences for you, including exit fees, other loss of benefits (e.g. insurance cover), investment options and performance, functionality, increase in investment risks and where your future employer contributions will be paid.
This information is of a general nature and has been prepared without taking account of your personal needs, financial situation or objectives. Before acting on this information, you should consider whether the information is appropriate for you having regard to your personal needs, financial circumstances or objectives.
All fees are subject to change. Other key features are relevant when choosing a super fund, including performance.
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