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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.

 

 

COVID-19: your questions answered

Article

Then out of left field along comes a virus

As the coronavirus continues to dominate the headlines, news of the emergence of new clusters of infections outside China has caused jitters in global financial markets.

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

ANZ Smart Choice Super and COVID-19 FAQs

As the world reacts to the coronavirus (COVID-19) pandemic, we look at the effects and answer the big super questions.

   

Article

Managing your super in this volatile market

The impact of the coronavirus has affected our members and their super balances. We explain why a calm and considered approach is more important than ever.

   

Super basics

Article

Spouse super contributions

Looking to boost your partner’s super through spouse super contributions? Read more to find how you can make super contributions on behalf of your partner.

  

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.

  

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

Making downsizer contributions into super

Thinking about downsizing your home for retirement? It may be a great way to boost your super.

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

Dealing with unemployment

If you’ve recently become unemployed, it pays to get on top of your finances.

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

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.

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.

Performance

Article

ANZ Smart Choice Super report: December 2019
 

Strong investment performance continues for the second quarter of the 2019/20 financial year.

ANZ Smart Choice Super report: September 2019
 

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

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: September 2019
 

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

Article

Then out of left field along comes a virus

As the coronavirus continues to dominate the headlines, news of the emergence of new clusters of infections outside China has caused jitters in global financial markets.

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.

Product updates

Important changes and information – February 2020
 

The latest updates and insights on Smart Choice Super.

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.


“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). 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 Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees are MySuper compliant products issued pursuant to the latest PDS available at anz.com/smartchoicesuper. ANZ Smart Choice Super is part of Retirement Portfolio Service (the Fund) (ABN 61 808 189 263) and is issued by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346, RSE L0000673) (OPC), the trustee of the Fund. OPC is a member of the IOOF Group of companies, comprising IOOF Holdings Limited ABN 49 100 103 722 and its related bodies corporate. The Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the IOOF Group of companies (including OPC) are not related bodies corporate.

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 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.

Taxation law is complex and this information has been prepared as a guide only and does not represent taxation 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.

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Fee Analysis: Research conducted by SuperRatings Pty Ltd, holder of Australian Financial Services Licence No. 311880. For a copy of the latest SuperRatings research, click here (PDF 452kB).

For more information, visit moneymag.com.au, selectingsuper.com.au and superratings.com.au SuperRatings does not issue, sell, guarantee or underwrite this product. Learn more about SuperRatings' criteria.