There is no charge or obligation to find and track down all your lost, inactive and active superannuation accounts. If you decide to consolidate all your funds into one account using our service, we charge you a once-off fee that is deducted from your recovered superannuation funds that we find. Our consultants will obtain your verbal and/or written consent and discuss options before proceeding to consolidate your funds. No action is taken and no fee is charged without your prior consent and knowledge at any stage.

We will find all your past super accounts since 1992.

You can access your super when you turn 65 (even if you haven't retired), or when you reach preservation age and retire, or under the transition to retirement rules, while continuing to work. There are very limited circumstances where you can access your super savings early. These circumstances are mainly related to specific medical conditions or severe financial hardship. Your preservation age is not the same age as your pension age. Your preservation age is the age at which you can access your super if you are retired (or have started a transition to a retirement income stream). Your preservation age depends on when you were born.

If an individual becomes qualified for a superannuation benefit, as an overall principle, you must try to get in touch with them as soon as possible. Your superannuation entitlement will usually be deemed as 'unclaimed super' if you have failed to contact your super fund.

Unclaimed superannuation falls into the categories listed below:

• member 65 years old or older
• deceased member
• non-member spouse
• small or insoluble lost member account
• Former temporary resident

People usually choose to track down their lost super if they have ever:

Unclaimed superannuation falls into the categories listed below:

1. Opened multiple super funds
2. Changed jobs
3. Moved houses
4. Changed your name
5. Received a letter from the ATO or a roll over fund that has taken your super
6. Been curious to see if you may have any lost super from the past

• See information of all your supperannuation accounts, including any accounts you may have forgotten about or lost.
• Locate ATO-held superannuation, held for you when your employer, your fund, or the government could not find an account to contribute your super into.
• Combine your super into one fund.

If you have just opened a super account, it may take up to 6 months to appear in your myGov account.

You can combine your superannuation by filling out a balance transfer form for each super account you wish to move from, and mailing it to your new superannuation fund. Speak to our team for more details.

When you get your yearly superannuation statement, check the information to make sure that it is still correct. If you would like advice or some help on this procedure, please contact our team.

If you have numerous superannuation statements and find it difficult to monitor, you are not alone. You may even have unmonitored some of your superannuation over the years. If this sounds like you, our team can help you to streamline your superannuation and save on fees.

The advantages of having your super in a single account are:

• Saves super costs by paying a single set of fees, not multiple fees
• Reduces paperwork and clutter
• Makes it easier to monitor your super

Get the information of your existing fund below, so you can compare and contrast when deciding which fund is right for you:

• Joint balance - Add up the balance of all your super funds and compare based on balance. This will let you compare returns and fees accurately after you have combined your super
• Investment options - By choosing how you like your superannuation invested, you can compare funds with a similar investment. This could be different from how your money is currently being invested
• Fees - Look at the fees that the funds will charge you. Some may be in dollars, others may vary depending on your balance. Ultimately, it is the net result that matters
• Insurance - Choose how much insurance you would like to have within your superannuation so that you may compare costs for your chosen insurance level in each fund

• Compare funds - utilize a superannuation comparison website to determine how top performing superannuation funds compare with yours. Although performance of super funds may vary from year to year, and past performance is not a reliable indicator of future performance, it always helps to choose a fund with a proven history, track-record and consistency
• Decide - Choose a fund that suits your financial needs
• Check your insurance - Ensure you can acquire a proper insurance level in your chosen fund
• Open an account - If you have ever chosen a new super fund, you will have to open a new account with the fund. Make sure to ask them for all the information your employer will need to contribute your superannuation into that fund, and ensure you get your desired insurance level before changing funds
• Notify your employer - Ensure that your employer knows where to contribute your superannuation as well as how to identify you properly to the fund
• Roll over super to your selected fund - Do this online via myGov. For more details, visit the ATO's monitoring of your superannuation page. You can also move your balance to your new super fund by contacting them online or by phone