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Super in your 50s

There are good reasons to take a closer look at your super in your 50s. Although everyone's lifestyle is different, chances are that a lot has changed since you opened your first super account.

Depending on your priorities, you might want to review one or all of the following areas:

Contributions and tax benefits

Most employees receive employer super payments known as the Super Guarantee. This payment is at least 11% of an employee's OTE for the financial year beginning 1 July 2023 and it is gradually increasing to 12% by 1 July 2025. However, this isn't the only way to build up your super. There may also be tax benefits for making personal contributions to your super. Even small contributions now can make a big difference closer to retirement.

For more information - including about salary sacrifice, personal deductible contributions and options for the self-employed - see the Contributions and tax benefits page. You can also arrange for a specialist to call you about these options using the online form at the bottom of this page.

Contributing to super

Keep your super in one place and save on fees 

If you know you have more than one super fund or you've ever worked for more than one employer, you should check that you're not paying more than one set of fees. It's easier than ever to search for and combine your super online or over the phone.

When you change jobs, you should let your employer know which fund they want to pay your super into by using the choice of fund form. If you don't provide your employer with your choice of fund, they have to pay your super into the fund the ATO selects as your 'stapled' fund - which may not be the fund you want your super paid into.

Consolidate your super

Online Choice of Fund form


You can check your insurance by logging in to Member Online to see if you have the right amount of cover for your current circumstances. You might also want to use the Insurance Cover and Cost Calculator to get an idea of what cover may suit you and what the premiums would cost.

Check your insurance


If you die while there is still money in your super account, that money (and any insurance benefit) will be paid to your beneficiaries (which can be one or more of your dependants or the legal personal representative of your estate). Have you checked that the nominations you have in place (if any) are still the right ones?

You can check your nominations and update non-binding nominations through Member Online. You might want to refer to our short Nominating Beneficiaries Fact Sheet when deciding who to nominate (and whether to make a binding or non-binding nomination).

Review your beneficiaries

Our super specialists are here to help

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*Let us know your preferred contact number and preferred callback time between 9am and 5pm (AEST/AEDT) weekdays.

 You can request a call back from a super specialist who can help you search for any lost super and check other account details like contributions and insurance.

Request a call back

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