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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.
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.
Understanding superannuation and what you need to do as an employee in Australia.
When it comes to the Your Future, Your Super reforms, it may pay to dig a little deeper into the details, as a greater understanding of them could make a huge difference to your retirement.
Actively managing your super throughout your life is key to a comfortable retirement. Here are some of the most common considerations.
This section gives you more information on technical and defined terms for superannuation.
As a Millennial you have time on your side thanks to the power of compound interest.
What are the unique challenges and major advantages of the youngest working generation?
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.
With retirement on the horizon, it's crunch time for Baby Boomers with the next decade your last chance to top up your super.
Learn the importance of regularly checking your super to ensure that you're being paid the correct amount.
Learn about the First Home Super Saver Scheme, how you could boost your savings, and how to make contributions with ANZ.
See the top frequently asked questions for ANZ Smart Choice Super, from consolidating accounts to employer contributions.
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.
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.
Combining multiple super accounts and often long-forgotten super accounts into one has a range of benefits.
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.
Changing jobs doesn't mean you have to change super funds. Learn how you can consolidate your super with ANZ Smart Choice.
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.
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.
Making sure your super account doesn't attract high fees and charges can make a difference to your final balance.
Your super balance really does change almost every day. We simply explain how it's invested, why it changes, and how you should react.
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.
Women and Millennials have the lowest understanding of financial concepts, which can seriously disadvantage them in life, studies show.
Surprisingly, superannuation is on track to overtake the family home as Australians' most valuable investment.
Meeting a financial planner to understand your super can be one of the best things to do for your future. See the benefits.
See our survey results on Australians putting their future independence at risk because they don't understand super.
OnePath Custodians Pty Limited (OPC) 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. OPC is part of the Insignia Financial Group of companies, comprising Insignia Financial Limited ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group).
ANZ Smart Choice Super is issued by OPC, 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). OPC is the issuer of this product but is not a Bank. Except as described in the relevant Product Disclosure Statement, the obligations of OPC 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 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 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.
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 here for iOS (PDF) and here for Android (PDF) and consider if this service is appropriate to you prior to making a decision to acquire or use the ANZ App.
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