Combine your super

Put your super all in one place

Many people have more than one super fund, usually as a result of working for a number of different employers. Having more than one fund can make it hard to manage your super, and generally means you are paying unnecessary fees. Combining these accounts may:

  • save you administration fees,
  • reduce your paperwork and help you from losing track of your super, and
  • maintain your investment strategy and insurance cover.
Before withdrawing your super from any fund, please check to see whether the fund you are leaving charges any exit fees or other withdrawal penalties and consider the implications. Also find out whether you will lose any insurance cover, because this may leave you and your family exposed to
unnecessary risk.

How do I combine all my super into First State Super?

  1. Complete the Request to transfer benefits into First State Super form (PDF 148kb) and mail it to First State Super.
  2. First State Super will contact your other super fund(s) and start the transfer process. Note that your other fund(s) will require certain certified documents verifying your identity before they will release your money. Click here for more information.
  3. First State Super will write to you confirming that your previous account has been credited to your First State Super account.

Setting up an income stream account?

If you have more than one superannuation account that you would like to use to start your Retirement Income Stream or Transition to Retirement Income Stream you will need to consolidate these amounts into one account first.

If you open an income stream account and later wish to roll in other money into First State Super, you can:

  • Open a new income stream account – a second income stream account can be opened for you.
  • Open or maintain a separate superannuation account with First State Super.

How can I find my lost super?

You may have super from another fund which is registered as lost super with the Australian Taxation Office.

Visit the Australian Taxation Office website, www.ato.gov.au/individuals then go to the SuperSeeker link on the right side of the screen. You will need to provide your tax file number and date of birth. If you do find any lost super, you may arrange for these savings to be forwarded to First State Super.