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Your superannuation is one of your most valuable assets. Both you and your employer contribute to it over your working life, so you can enjoy your independence in retirement.

Get on top of it today.

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What is Superannuation?

Your super is one of your most valuable assets. Most working Australians have a super account.

The Superannuation Guarantee means your employer pays 10 per cent of your salary into your super account throughout your working life. There are also tax incentives for contributing extra via salary sacrifice or personal contributions. Having a good super account which doesn’t charge high fees, helps you make the most of the money you’ve worked so hard for.

Your super is your independence. Get on top of it today with one of ANZ’s super offerings.


How can ANZ help?


A superannuation account to fund your retirement.


A regular income stream to help fund your independence.

Self-managed super

A cash account for self-managed super trustees to manage your money.

Your super. Your choice.

Most employers allow you to choose a super fund, but if you don't choose, they'll pay contributions into a default fund on your behalf. Choose the fund that suits you and look for:

Low fees - fees can vary greatly, and high fees can erode your balance.

Investment choice - choose a fund with investment options that suit your needs.

Insurance - some funds offer tax-effective insurance through super for you and your family.

Super that moves jobs with you.

You’ll probably have multiple jobs over your career. You don’t have to have multiple super accounts.

Choosing a single super account that stays with you from job to job can help you:

  • reduce your costs, with only one set of fees
  • manage your investments more easily
  • keep track of how much money you have in super.

How to compare

Unsure of what to look for in a super fund? It’s important to do your research, compare and make an informed decision on what fund suits you. Start comparing today.

Learn more about super and 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.

Tips for managing your super throughout your life

Actively managing your super throughout your life is key to a comfortable retirement. Here are some of the most common considerations.


Accessing your superannuation in retirement

Take your super as an income stream, a lump sum, or a combination of both. Find out which option's best for you.


Super is seriously tax-friendly

Super remains one of the most tax-effective ways to save for your retirement so it’s important to understand how you can best benefit from it.


“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 525kb) 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. 

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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