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Super Log in
Fast track your super
Taking a few minutes to get your super sorted can help you move towards a better future. Here’s seven tips to get started.
Tip 1: Check your balance
Checking your balance online is a quick and easy way to stay on top of how your super is performing, review your transactions and know how you’re progressing towards your savings goals.
Check your balance online
Tip 4: Strategies to grow your super
Your employer may already be contributing to your super account. But making additional contributions can be a quick and effective way to top up your super. Even small yet consistent extra contributions could make a difference down the track. Here are a couple of options for making additional contributions to your super:
Salary sacrifice
You may be able to use your pre-tax salary to make additional contributions to your super fund.
Devan is 45 and recently had a pay rise of $5,000 – taking his total salary to $100,000 per year. He’s planning on retiring in 20 years, so he decides to use his $5,000 pay rise to make a pre-tax contribution to his super.
By adding $5,000 to super, it will be taxed at 15% ($750) rather than his marginal tax rate of 34.5%¹ ($1,725). This means that he will contribute an extra $975 to his super, for a total of $4,250.
Voluntary contributions
Adding to your super account by contributing a little more from your take-home pay can be a great way of growing your savings.
Jamie is 50 years old and has $50,000 of savings which she would like to invest for her retirement. If Jamie contributes this money into super, any earnings will be taxed at only 15% in her super fund rather than a maximum of 47% (including Medicare levy) with other types of investments. By paying less tax Jamie could save more money toward her retirement goals.
1 Based on 2023/24 tax rates and includes 2% Medicare levy. This example is for illustrative purposes only and are not a prediction or estimate of the actual contributions to be me.
Explore these contribution strategies further plus more ways to grow your super.
There is a limit on the amount of contributions you can make each year to your super without paying extra tax.
Tip 5: Check how your super is invested
When was the last time you looked at how your super is invested? Choosing the right options at the right time could make your money work harder for you, and it’s simple to check online.
1. Log in to your super account
2. In the menu, click on ‘Investments’ to see how your super is invested
What’s right for your super?
Discover how to check your investment options.
Tip 6: Update your beneficiaries
Leaving your money in the right hands is an important matter that’s often overlooked. By nominating a beneficiary, you’re helping to ensure where your super will go when you’re no longer here.
Learn more or log in to update your beneficiaries
Already nominated a beneficiary?
Your circumstances or the important people in your life may have changed. So, it’s good practice to review your beneficiary nomination, at least every year, to make sure it still reflects your situation today. If you need to, you can make a new beneficiary nomination online in ANZ Smart Choice Super.
Tip 7: Check your insurance in super
No matter where you are in life, insurance is an important part of protecting you and your family.
When you’re insured through ANZ Smart Choice Super you get:
Tax-effective insurance premiums
Your insurance premiums come directly from your super balance, so you won’t see a difference in your take-home pay.
Competitive premiums
We can negotiate group discounts to get you better prices on your premiums, although you should be aware that premiums can reduce your retirement savings.
