Getting help with super

It’s good to have questions about super because the more you find out, the more you can do with it. Whether your question is general or about your own super situation, we’re here to help.

Who can help me with super questions?

Got a question about your super that hasn’t been answered here? Send us an email, at anzsmartchoice@anz.com or phone us on
13 12 87 weekdays between 8.30am and 6.30pm (AEST).

Check your super account for answers

A lot of the information you’re looking for is available online. Accessing your super account online can help you find out your balance, see contributions you’ve made, search for any lost super, see how your super is invested and get all your super together in one fund. You can login at https://anzsmartchoicesuper.ioof.com.au/access/.

What to expect when you get in touch with us

When you come to us with a question, we can give you facts about your super fund, we can also tell you about what else we can offer you. This can help you understand more about:

Investment options available to you
How you can make extra super contributions into your fund
Insurance options available
Transition to retirement solutions we offer
Making a withdrawal from your super fund
Taking your super with you to a new job and making sure your employer is making payments to the right account

What about advice on my super options?

What we can’t give you over the phone or via email is any advice or recommendations taking into account your personal situation, about what to do with your super.

If this is something you’re looking for, we suggest seeking help from a qualified financial adviser. You can look for a financial adviser on the moneysmart.gov.au website or through an industry association such as the Association of Financial Advisers (AFA) or the Financial Planning Association (FPA).

When is it important to get help with your super?

It’s important to get help with your super if you’re getting stuck on:

Accessing your account online to keep track of your super
Bringing all your super together into one account or finding lost super
Nominating a beneficiary for your super - who you want to have your super balance and any insurance benefits paid to if you pass away
Finding out about insurance options you can access through your super
Understanding and choosing investments for your super
Making extra contributions to your super

When do people normally seek financial advice?

Getting help with super is just one reason why people choose to see a financial adviser. Financial advice can also help you when you’re going through important life event:

Starting work and comparing superannuation funds
Buying a house, or paying off a mortgage
Getting married
Growing your family and saving for education costs
Taking a break from work or receiving a redundancy payment
Starting a new business
Separating from a partner
Inheriting money or receiving a lump sum payment
Investing to grow wealth
Planning for a comfortable retirement
Planning to leave children or grand-children money

Scaled and comprehensive advice

A financial adviser can help you with a specific issue or question you have. This type of advice is often called scaled or limited advice.

When you want further advice or an adviser to look at your whole financial situation, they can offer you what is usually called comprehensive, holistic or even full financial advice. This service would include a detailed strategy and will often involve ongoing advice, as and when, things change in your life.

How much will getting help with my super cost me?

Getting help with factual information about your super with us does not incur additional cost.
Getting scaled or limited advice for your super from a financial adviser, based on your own situation and needs, will often be free for the first meeting. Fees and charges normally apply after that but any adviser you see will clearly outline these costs and ask you to agree to these before going ahead with this service.
Comprehensive, holistic, or full financial advice that covers all areas of your finances on an ongoing basis, can often start with a free consultation. During your first meeting an adviser will agree any costs with you in writing. How much this is will depend on the scope and complexity of the advice you need.

What type of super advice is right for me?

To give you an idea of what sort of help you might need from super experts, we’ve put together a table to compare different types of advice:

	Limited advice	Comprehensive advice
Answering general questions on super, retirement and investments	Y	Y
Learning how different pension products work (e.g. how do I move my money from super to a pension?)	Y	Y
Help with setting up a pension	Y	Y
Personalised advice	Y This is limited to a specific part of your retirement planning (e.g. making extra payment or choosing super investments).	Y On your whole financial situation.
Documented retirement plan	Y Covers specific areas of retirement planning as discussed.	Y Recommendations on the best super and pension products for you
An annual review of your plan taking into account changing circumstances and making sure you stay on track.	N	Y
Time involved	Generally under 2 hours	Generally at least two face-to-face appointments and/or ongoing advice as needed

Contact us

Get online

Register for online access to your ANZ Smart Choice Super account in less than two minutes.

If you’ve already registered, log in to manage your account.

Need help?

Message or call the ANZ Smart Choice Super team on 13 12 87 weekdays 8.30am to 6.30pm (AEST).

Find out how our Hearing and interpreting services can support you.

Email us

smartchoice@insigniafinancial.com.au

This information has been prepared by OnePath Custodians Pty Limited (ABN 12 008 508 496, AFSL 238346) (OPC) as Trustee of Retirement Portfolio Service (ABN 61 808 189 263). ANZ Smart Choice Super suite of products which includes ANZ Smart Choice Super and Pension, ANZ Smart Choice Super for employers and their employees and ANZ Smart Choice Super for QBE Management Services Pty Ltd and their employees. ANZ Smart Choice Super is part of the Retirement Portfolio Service. OPC is part of the Insignia Financial Group of companies comprising Insignia Financial Ltd ABN 49 100 103 722 and its related bodies corporate (Insignia Financial Group)

This information is general in nature and does not take into account your objectives, financial situation and needs. Before acting on any of this information, you should consider its appropriateness, having regard to your objectives, financial situation and needs. You should consider obtaining financial advice before making any decisions based on this information. It is recommended that you consider the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD) before you make any decisions about your superannuation or insurance. You can obtain the latest copy of the PDS (or other disclosure documents) and TMD by calling 13 12 87 or by searching for the applicable product on our website at anz.com

Any general tax information provided is intended as a guide only and is based on our general understanding of taxation laws. It is not intended to be a substitute for specialised taxation advice or an assessment of your liabilities, obligations or claim entitlements that arise, or could arise, under taxation law, and we recommend you consult with a registered tax agent.

Opinions constitute our judgement at the time of issue and are subject to change. Neither OPC nor any member of the Insignia Financial Group, nor ANZ, accept responsibility for any loss or liability incurred by you in respect of any error, omission or misrepresentation in the information in this communication.

The Australia and New Zealand Banking Group Limited (ABN 11 005 357 522) (ANZ) brand is a trademark of ANZ and is used by OPC under licence from ANZ. ANZ and the Insignia Financial Group are not related bodies corporate. ANZ does not stand behind or guarantee these products.

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