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Super basics

Feeling stuck with your super and don’t know where to begin? Start with the basics and learn how to take charge of your financial future.

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Superannuation basics for the new Australian

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

  

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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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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 you final balance.

  

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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.

  

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Superannuation makeover for Gen X

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

  

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Baby Boomers’ superannuation makeover

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

   

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When markets get shaky, what should you do with your super?

After years of low volatility, markets are swinging. Ben Hurley investigates what you should do.   

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Time to get technical

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

   

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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.

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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.

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Don't let your boss take care of your independence

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

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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.


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The big cost of multiple super accounts
 

Do you have more than one super account? Consolidate your super and learn how to boost your retirement savings.

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Three steps to take charge of your super now

The right changes to your superannuation today can affect your future tomorrow. Learn three simple steps you can take.

   

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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.

   

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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.

  

ANZ global market outlook 2019:
a challenging year
 

As the global economy slows the sharemarket should be viewed with increasing caution.

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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.

  

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Baby Boomers: living longer, spending more.

The generation now reaching retirement can expect to live longer, but don’t want to restrict their lifestyle.

Why does my super balance keeps changing?

How do you react if your superannuation balance suddenly changes?

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Millennials: big challenges, bigger advantages
 

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

  

ANZ global market outlook 2019:
a challenging year
 

As the global economy slows the sharemarket should be viewed with increasing caution.

Article

Gen X: caught between competing priorities

The financially stretched Generation X needs to make the most of their peak working years.

  

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 distributed by Australia and New Zealand Banking Group Limited (ANZ) 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 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 133 665.

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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