It’s time to check in with your super

It’s time to check in with your super

It’s important to do a super health check every year to make sure your super account is looking healthy.

These six easy steps can make a big difference to your account:

  1. Make sure your super is paid on time
  2. Stop paying unnecessary fees
  3. Choose how your super is invested
  4. Tell us who should get your super when you die
  5. Grow your super faster and pay less tax
  6. Protect your family if something happens to you

There are two ways you can do a super health check:

  1. Work through each step of the super health check with one of our dedicated super specialists, or
  2. Use our online resources to make your own way through the super health check.

1. We can guide you through the super health check

Book a one-on-one digital appointment with one of our local super specialists now.

2. You can do the super health check on your own

Follow these six easy steps now to make a big difference to your account.

1. Make sure your super is paid on time

Your employer pays a minimum of 10% of your salary into super at least once a quarter. You should check your super account regularly to make sure the correct amounts have been paid.

Take action now

Register or login to Members Online, or download our mobile app for Apple or Android. View recent transactions and check them against your payslips to make sure they match.

Need more information?

Find out more about how super works and Superannuation Guarantee (SG) payments here.

2. Stop paying unnecessary fees

If you’ve ever changed jobs, you may have other super funds that you don’t know about. Having fewer super accounts can save you money on fees and make it easier to keep track of your super.

Take action now

Simply confirm your personal details here. You'll get an instant result showing all your super accounts. You can also decide if you want to combine some, or all of them into your LUCRF Super account.

Need more information?

Find out more about searching and combining super accounts here.

3. Choose how your super is invested

Get the most out of your super by making sure it’s invested in an investment option that suits your age and investment timeframe.

Take action now

Look at our range of investment options including investment performance here. You can check your current option or change anytime for free in Members Online.

Need more information?

Most members are invested in our MySuper Balanced (default) investment option, which has been carefully designed for members who don’t choose their own investment option. Find out more.

4. Tell us who should get your super when you die

If your personal situation has changed, you might want to check and change your beneficiary nomination. Otherwise, we’ll decide who gets your super, which may not reflect your wishes.

Take action now

To see who your current beneficiary is, or to make a new non-binding nomination, login to Members Online.

Need more information?

Find out more about non-binding and binding beneficiary nominations here

5. Grow your super faster and pay less tax

If you want to keep the lifestyle you have now in your retirement, think about contributing more to your super. Even adding small amounts over time can make a big difference to your future.

Take action now

You can ask your employer to pay an extra part of your wages directly into your super account. Complete this form and give it to the people who pay your wages.

Need more information?

Find out about the different types of extra contributions you can make and how you could pay less tax here.

6. Protect your family if something happens to you

Make sure you and your family’s way of life is protected by having the right insurance cover.

Take action now

Check your latest Annual Statement to see what insurance cover you currently have. Login to Members Online and select My reports > My correspondence.

Need more information?

Find out about the different types of insurance cover available here, and how you can apply for cover or change your existing cover here.

Download our app

Download the app to your mobile and log in using your member details.

download-app

Working for a better future

More choices, lower fees, so there’s more super in your pocket.

More choices, lower fees, so there’s more super in your pocket.

For over 40 years we’ve provided better financial outcomes for hard-working Australians.

Real support is providing you with the advice, help and guidance you need.

Real support is providing you with the advice, help and guidance you need.

We can help you through our online tools, face to face or over the phone.

We support the communities where you live and work

We support the communities where you live and work

We've always fought for the rights of the many and strive to create social change.

Your browser is out of date

Please update your browser to view this website properly

Update my browser now