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Fund stapling – what does it mean?

Published 13 September 2021

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

What is ‘fund stapling’?

Fund stapling means that when you change jobs, your current super fund follows you to your new job, that is, your current super fund is ‘stapled’ to you. Your employer and the Australian Tax Office (ATO) will ensure your compulsory super contributions get fed into your existing fund – you don’t need to pick a new one every time you move jobs. Importantly, you can change your fund if you want to.

Whether you choose a fund or take a default fund offered by your employer, you need a fund that suits your long-term needs.

Why stapling?

Fund stapling, or stapling, is designed to stop you ‘collecting’ super funds throughout your career. This will help you avoid multiple sets of fees, less paperwork, making it easier for you to keep track of your super along with reducing the chance of paying multiple insurance premiums.

If you have multiple super funds – how do you know which one is your stapled fund?

The ATO will use the following process to determine the stapled fund:

  • If there’s no recently stapled fund, the fund which has received the most recent contribution will be chosen as the stapled fund
  • If there’s no eligible fund that has received a contribution recently, it’ll go to the highest account balance as at the end of the last financial year
  • If there’s still no eligible fund, the ATO can choose what they believe to be the most appropriate fund out of the list

What does this mean when you change jobs?

If you change jobs, you still have the option to choose your own super fund. One way to ensure your new employer contributes to your Smart Choice Super account is to simply complete the Choice of Fund form to nominate this account. This will ensure your employer contributions are made into this account.

If you don’t make a choice of super fund, your new employer will need to go to the ATO to get details of your stapled fund. If you have a stapled fund, they need to contribute to that fund unless you choose a different super fund.

The latest super reforms simplify super and give members more information about the funds they trust their future to. We believe this change, made by the Government, is in members’ best interests and will ultimately help people manage their super and save for retirement.

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“ANZ Smart Choice Super” is a suite of products consisting of ANZ Smart Choice Super and Pension (PDF 416kB)ANZ Smart Choice Super for employers and their employees (PDF 594kb) and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees (PDF 441kb). The ANZ Smart Choice Super and Pension product is distributed by Australia and New Zealand Banking Group Limited (ANZ) (ABN 11 005 357 522).  We recommend that you read the ANZ Financial Services Guide (PDF 479kB), before deciding whether to acquire or continue to hold this product. 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 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 Insignia Financial Group of companies, comprising Insignia Financial Ltd (formerly IOOF Holdings Ltd) ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group). 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 Insignia Financial 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. 

All opinions in this article are those of IOOF Group and not ANZ.

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.

ANZ does not represent or guarantee that access to 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 and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.

You should read the relevant Product Disclosure Statement and Additional Information Guide available at or by calling 13 12 87 before deciding to acquire, or continue to hold, an interest in ANZ Smart Choice Super.