Managing your super

Manage your super during your working life to harness the full power of your retirement savings to enjoy a rewarding lifestyle when you’re ready to leave the workforce.

You may not be able to access your super during your working days, but it is still your money which means it is worth checking your super balance regularly.

Billions of dollars are sitting in lost and unclaimed super accounts and some of that money could be yours. We explain how you can be reunited with your lost superannuation.

Consolidating your super means transferring multiple accounts into a single superannuation account, which could provide valuable benefits.

Self-managed super funds (SMSFs) are popular among Australians as they can allow more control of your retirement savings, but be sure it’s the right option for you.

Being diagnosed with a serious illness, injury or experiencing severe financial hardship, may enable you to access your super before you retire. 

A change of jobs can be a busy time but be sure to take your super along with you. It’s a great way to keep tabs on your superannuation throughout your entire working life.

Taking a break from paid work may mean no money is coming into your super, which could result in less super when you need it for your retirement.
BT has a range of superannuation investment options, offering you flexibility and choice when personalising your super investment mix.

From simple super accounts to the full control of a self managed super fund, BT has the tools to help you track, invest and grow your super.

Information current as at 15/08/2016.

This information has been prepared without taking account of your objectives, financial situation or needs. Because of this you should, before acting on this information, consider its appropriateness, having regard to your objectives, financial situation and needs.

Before requesting a rollover, you should consider where your future employer contributions will be paid (if your employer contributions are currently being paid to another fund) and check with your other fund(s) to determine whether there are any exit or withdrawal fees for moving your benefit, or other loss of benefits (e.g. insurance cover), noting that you may not receive the same type or level of benefits after the rollover. You may not be covered for injuries or illnesses that have arisen since you took out previous insurance, and you may lose loyalty benefits.