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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.

Are you an ANZ Smart Choice Super member?

Information for members

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ANZ Smart Choice Super FAQs

See the top frequently asked questions for ANZ Smart Choice Super, from consolidating accounts to employer contributions.

  

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

ANZ Smart Choice Super and COVID-19 FAQs

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.

  

 

Commonwealth COVID-19 assistance

With the spread of the Delta variant of the COVID-19 virus and ongoing lockdowns in Vic, NSW, Qld and SA, the Government has announced further financial assistance for people who are doing it tough.

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Don't let hasty decisions erode your super

As the COVID-19 virus impacts markets, Australians are worried about their super. We profile a retiree who cautions against acting too hastily in reaction to the volatility. 

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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.

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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.

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Fund stapling - what does it mean?

On 1 November 2021, ‘fund stapling’, as legislated by the Federal Government, comes into effect. So, what does this mean for you?

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More than one super account? You're likely losing money

Combining multiple super accounts and often long-forgotten super accounts into one has a range of benefits.

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Changing jobs and Superannuation

The choice of where your super goes is up to you. It’s easy to take ANZ Smart Choice Super with you when you change jobs. 

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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.

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Strategies to get your super back on track

Discover more about concessional and non-concessional contributions to your super, salary sacrificing, searching for lost super, financial advice and more.

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How to make extra contributions to your super

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

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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.

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Dealing with unemployment

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

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ANZ Smart Choice Super wins Canstar’s Most Satisfied Customers award

Canstar has presented its ‘Most Satisfied Customers – Super Fund Award’ for 2021 to ANZ Smart Choice Super.

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Federal budget 2020: what you need to know

The 2020 Budget is all about jobs, jobs and spending to make more jobs. We already have JobSeeker and JobKeeper, and now we have JobMaker and JobTrainer.

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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. 

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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.  

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Retirement - how much is enough?

You’ll want enough money to live comfortably and safe in the knowledge you won’t run out of money and have to go back to work, unless of course you want to.

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Downsizers may not have much to give to super

Nigel Bowen looks at the pros and cons of downsizing to make the most of new generous super-contribution rules.

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Making downsizer contributions into super

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

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How Marcel, 66, got his retirement sorted

Long-term strategies have laid the foundations for entrepreneur Marcel Kreis’s secure retirement.

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Explore how Superannuation can work for you

ANZ Smart Choice Super

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Information for members

   

“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF 189kB)ANZ Smart Choice Super for employers and their employees (PDF 186kb) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF 198kb). The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522). View the ANZ Smart Choice Super and Pension Target Market Determination (PDF 252kB). 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. View the ANZ Smart Choice Super for employer and their employees Target Market Determination (PDF 464 kB). ANZ Smart Choice Super is part of the 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. ANZ does not stand behind or guarantee these products.

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 at the request of OPC. For a copy of the latest SuperRatings research, click here (PDF 452kB) or call 13 12 87.

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