Everyone wants a comfortable future. But do you know what you can do to make it a reality? Below are some steps that you can take to help grow your super.

Click on each topic to view further information.

Grow your super	View a tutorial covering all the topics below including a contributions calculator.
Lost Super	There is over $12 billion in Lost Super in Australia. You can do a quick search for any lost super that you may have.
Rollovers	Multiple super funds are costing Australians $1-2 billion per year in extra fees. Consolidating your super accounts means you don’t have to manage several accounts and your money works harder for you when it’s all together.
TFN	If you don’t provide your Tax File Number to your super fund your super will be taxed at 46.5% instead of 15%. Provide your TFN today.
Salary Sacrificing	Your employer can put some of your gross salary into your super. This may be a tax effective strategy because your contributions are only taxed at 15% instead of your normal tax rate which could be up to 46.5%.
After-tax contributions	You can make contributions to your super from your take home pay. This may be a great way for you to boost your super balance.
Government Co-Contribution	If you’re earning under $60,342 meet certain criteria and make an after-tax contribution into your super you will be eligible for an extra payment into your super from the government of up to $1,500.
Investment Strategy	The amount of super that you have at retirement will largely depend on how your super has been invested. You can find out what kind of an investor you are and the right investment strategy for your super.

Financial Services Guide

Important notices