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Understanding superannuation

Prepare for your retirement today. Get your questions about superannuation answered and read inspirational stories from people just like you. Choose from a category below to get started.

 

Most popular

Article

How to make extra contributions to your super

Take steps to secure your future by making personal super contributions.

How this self-employed muso got on top of his super

Supporting a family saw Ric Mills decide it was time to plan for the future.

  

How Sam is playing catch up with her superannuation

Learn about Sam Aldenton's commitment to her super and saving for a house so she can have financial freedom.

Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.

Article

Are you still insured through your super? 

New rules to tidy up super from the federal government mean many people have lost their insurance cover. 


Article

Super is seriously tax-friendly

Super remains one of the most tax-effective ways to save for your retirement so it’s important to understand how you can best benefit from it.

How this self-employed muso got on top of his super

Supporting a family saw Ric Mills decide it was time to plan for the future.

  

How Sam is playing catch up with her superannuation

Learn about Sam Aldenton's commitment to her super and saving for a house so she can have financial freedom.

Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.

Super basics

Article

It's your choice - default super isn't mandatory

Changing jobs doesn’t mean you have to change super funds. Learn how you can consolidate your super with ANZ Smart Choice.

  

Article

Superannuation basics for the new Australian

Understanding superannuation and what you need to do as an employee in Australia.

  

Article

How to make extra contributions to your super

Take steps to secure your future by making personal super contributions.

  

People's stories

Article

Why it pays to check your employer is making super contributions

Learn the importance of regularly checking your super to ensure that you’re being paid the correct amount.


Article

A Millennial faces the challenge of the Age Pension

Living on the Age Pension will a bleak reality for many young people – so we brought that future into the present for one of them.


Article

How John, 38, started early to secure a comfortable post-work life

Young business owner John Zanol is determined to retire well by paying attention to his super now.


More from your super

Article

Millennials: This is the average super balance for your age

As a Millennial you have time on your side thanks to the power of compound interest.

  

Article

Gen X: This is the average super balance for your age

Now at your career peak, as a Gen Xer you need to plan your retirement carefully. Find out how you can stay on top of your super for a comfortable retirement.

  

Article

Baby Boomers: This is the average super balance for your age

With retirement on the horizon, it’s crunch time for Baby Boomers with the next decade your last chance to top up your super.

  

Big super questions

Article

How to handle super in a divorce

How should you and your ex-partner’s super balances be split so you each get your fair share.

How this self-employed muso got on top of his super

Supporting a family saw Ric Mills decide it was time to plan for the future.

  

How Sam is playing catch up with her superannuation

Learn about Sam Aldenton's commitment to her super and saving for a house so she can have financial freedom.

Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.

Article

Why does my super balance keep changing?

Your super balance really does change almost every day. We simply explain how it’s invested, why it changes, and how you should react.

How this self-employed muso got on top of his super

Supporting a family saw Ric Mills decide it was time to plan for the future.

  

How Sam is playing catch up with her superannuation

Learn about Sam Aldenton's commitment to her super and saving for a house so she can have financial freedom.

Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.
Learn about how Sam Aldenton is paying attention to her super and saving for a house so she can have financial freedom.

Article

Women still have a crushing superannuation gap

Women are still lagging behind men on super. Learn about recent statistics and what that means for women's retirement.  

  

Performance

Article

ANZ Smart Choice Super report: September 2019
 

The first quarter of 2019/20 financial year has been strong for super returns.

Article

ANZ Smart Choice Super report: June 2019
 

The 2018/19 financial year has been strong for super returns.

Article

ANZ Smart Choice Super report: March 2019
 

A market rebound this year means ANZ Smart Choice Super has reaped some strong returns.

Product updates

Important changes and information – November 2019
 

The latest updates and insights on Smart Choice Super.

Important changes and information – August 2019
 

The latest updates and insights on Smart Choice Super.

Important changes and information - May 2019
 

Latest updates and insights on your super, that are relevant to you.


OnePath Custodians Pty Limited (OnePath Custodians) ABN 12 008 508 496, AFSL 238346, RSE L0000673 is the trustee of the Retirement Portfolio Service (ABN 61 808 189 263, RSE R1000986) (Fund) and issuer of the interests in “ANZ Smart Choice Super”, a suite of products consisting of ANZ Smart Choice Super, ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees.

ANZ Smart Choice Super is issued by OnePath Custodians, and the ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522). ANZ is an authorised deposit taking institution (Bank) under the Banking Act 1959 (Cth). OnePath Custodians is the issuer of this product but is not a Bank. Except as described in the relevant Product Disclosure Statement, the obligations of OnePath Custodians are not deposits or liabilities of ANZ or its related group companies. None of them stands behind or guarantees the issuer or the capital or performance of any investment. Such investment is subject to investment risk, including possible repayment delays and loss of income and principal invested. Returns can go up and down. Past performance is not indicative of future performance.

This information is subject to change. You should read the relevant ANZ Financial Services Guide (FSG), PDS, product and other updates (for open and closed products) available at ANZ.com.au/super and consider whether the product is right for you before making a decision to acquire, or to continue to hold the product. Updated information will be available free of charge by calling Customer Services on 13 12 87.

Taxation law is complex and this information has been prepared as a guide only and does not represent tax advice. Please see your tax adviser for independent taxation advice.

The information on insurance cover is a summary only of the terms and conditions applying to the insurance cover. To the extent there is any inconsistency with the terms of the insurance cover provided by the insurer, the terms of the insurance policy will prevail.

The information provided is of a general nature and does not take into account your personal needs, financial circumstances or objectives. Before acting on this information, you should consider the appropriateness of the information, having regard to your needs, financial circumstances or objectives. The case studies used in this article are hypothetical and are not meant to illustrate the circumstances of any particular individual. Opinions expressed in this document are those of the authors only.

ANZ does not represent or guarantee that access to the ANZ Internet Banking or the ANZ App will be uninterrupted. Temporary service disruptions may occur. ANZ recommends that you read the ANZ App Terms and Conditions available at anz.com and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

In addition to their salary, ANZ staff members may receive monetary or non-monetary benefits depending on the product they are selling or providing advice on.

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