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Getting started

Want to reach your financial potential in retirement? Let's start by understanding the ins and outs of your super, what you're entitled to and what you can do now to grow your super. 


Fund stapling - what is it?

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



What is superannuation and why is it so important?

What is superannuation and why do I need it? Read more to find out the importance of super and why it matters so much to your retirement.


The value of insurance through your super fund

We understand the value of insurance cover in protecting our family and livelihood by ensuring we can still receive an income if something unfortunate happens to us. 



How adding alternative assets enhances your investment mix

Generally these are assets that aren’t linked to the performance of the sharemarket so they can perform when sharemarket returns are down or flat. 



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.



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. 



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.



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.



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.



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.



Superannuation basics for the new Australian

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



Without a beneficiary, your family can miss out on your super

Did you know your super and its insurance isn’t part of your will? Ensure your estate and money goes where you want them to.


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.


Why it pays to compare super fund fees

Making sure your super account doesn’t attract high fees and charges can make a difference to your final balance.



Why your super balance keeps 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.  


Superannuation makeover for Millennials

Are your savings in need of a makeover? Watch John’s story and then get a copy of our new guide.



What's life really like on the age pension?

Think you could manage on a little over $900 a fortnight? Life on the age pension probably isn’t the life you have in mind when you dream of retiring.


Millennials: big challenges, bigger advantages

What are the unique challenges and major advantages of the youngest working generation?



ANZ Smart Choice Super FAQs

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



Your understanding of money is crucial to your wellbeing

Women and Millennials have the lowest understanding of financial concepts, which can seriously disadvantage them in life, studies show.



The mindset that can lead to greater financial wellbeing

Your behaviour and attitude to money determines your financial wellbeing, which is critically linked to your overall wellbeing.



Understanding the First Home Super Saver Scheme

Learn about the First Home Super Saver Scheme, how you could boost your savings, and how to make contributions with ANZ.



Super vs. mortgage. Which is the better investment? 

Surprisingly, superannuation is on track to overtake the family home as Australians’ most valuable investment.


The importance of taking control of your super

The worst habit you can get into is opening a new super account with every job. Learn to take back control of your superannuation.  


How advice can help you achieve independence

Meeting a financial planner to understand your super can be one of the best things to do for your future. See the benefits.


Calculate how much super you need for retirement

Do you know how much super you’ll need for retirement? Plan for the future with the help of online retirement calculator tools.



Super's role in gaining your independence

See our survey results on Australians putting their future independence at risk because they don’t understand super.


Take control of your super online

See our top five tips to maximising your ANZ Smart Choice Super account, from getting the ANZ App to reducing fees.

Time to get technical and understand your super

This section gives you more information on technical and defined terms for superannuation.


Explore how Superannuation can work for you

ANZ Smart Choice Super

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Information for members


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 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.

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