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The money in your super is the savings you have tucked away for retirement. Super can create the retirement you desire and deserve. Here's how it works and how to make it much easier by being with HESTA.
what is superannuation?
Super is money that your employer pays in addition to your salary. It goes into a super fund account for you and builds up over all the years you work. You can also add to it yourself, but you can only access it in retirement (or if you meet certain conditions).
Your employer pays super
They must, by law, put 11.5% on top of your salary into your super account for your retirement. This builds up your super over the years.
You can put money in too
To boost your retirement savings, you can choose to make contributions to your super as well. This could make a big difference to how much money you'll have when you retire.
Super can include insurance cover
To suit your needs and preferences, your super may have death, disability, and income protection cover. It's important to understand any insurance you have, need and want.
Your super is always invested
To help grow your super over the long term, this money is invested, and you can choose how. You can keep it invested, even after you retire, so it's worth understanding your options.
new to super?
Watch our interactive video to find out what you need to know about super with David Logan, Member Education Manager at HESTA.
Video title: New to Super
Presenter: David Logan, Member Education Manager, HESTA
David Logan: You might have heard people talk about how important superannuation is for your future. But what exactly is it?
Here’s what you need to know.
Superannuation or ‘super’ is designed to help you save and invest your money for your retirement. While that might be a long time away for some, super works best when you add to it regularly throughout your working life.
So how does it work?
Your employer contributes a minimum amount to your super account. That’s called the superannuation guarantee.
On top of this you can make your own extra contributions. Even a little bit extra can really add up over time.
You can choose how you want your money invested. HESTA invests the money on your behalf. Any earnings on your investments are applied to your super account.
Choose how you want your money invested >
Super can be one of the biggest investments you will make. It’s your money and taking an interest in it is one of the best things you can do to prepare for your financial future. And the earlier you start boosting your super, the better off your future will look.
A great thing you can do straight away for your super is to register for an online account. This is the easiest way to keep on top of your super, make contributions and keep your contact information up-to-date.
Register for an online account >
We are a top-performing industry super fund in Australia, and we invest in and for the people who make our world better.
Issued by H.E.S.T. Australia Ltd ABN 66 006 818 695 AFSL 235249, the Trustee of HESTA ABN 64 971 749 321. This information is of a general nature. It does not take into account your objectives, financial situation or specific needs so you should look at your own financial position and requirements before making a decision. You may wish to consult an adviser when doing this. The target market determination for HESTA products can be found at hesta.com.au/tmd
Before making a decision about HESTA products you should read the relevant Product Disclosure Statement (call 1800 813 327 or visit hesta.com.au for a copy), and consider any relevant risks (visit hesta.com.au/understandingrisk).
how to get your super in shape
A few simple things you can do now to get your super in good shape. Taking action now could mean retiring sooner!
Your super can work better for you when it’s all together. Plus, you could be paying fewer fees.
Could your super savings get up to a $500 boost from the government? Find out if you're eligible for a co-contribution.
See our forms and brochures, including our Letter of Compliance, beneficiary nomination form, and more.
Ready. Set. Plan. Our simple online tools are a good starting point for getting your super and finances sorted.
Need more information on HESTA products and how they work? Take a look at our Product Disclosure Statements.
Is sorting your super still on your to-do list? Here are a few things you can do right now to increase your super savings.
Extra money you contribute to your super today can add up to a whole lot more in retirement.
Growing your family is an exciting time, but there’s also lots to think about when it comes to your financial future.
The tax you pay on super is generally lower than other types of investments. It’s one of the main perks of investing through super.
ready to join?
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expert help to guide you
Super questions answered
See what people like you want to know about super and money, and get instant answers from our expert team in this interactive video journey.
Watch the interactive Q&A
Keep on top of your super
To talk through anything about super, just get in touch. We'll make it easy. After you've joined, use the app to check your balance, top up, and more.
Contact us
be a future planner
Future Planner is an online tool that helps take away the mystery around your financial future. Become a HESTA member and get access to Future Planner to help you face the future with confidence.
Use Future Planner to:
- see how much money you're projected to have in retirement
- see how your projected annual household income compares to the Association of Superannuation Funds of Australia (ASFA) comfortable retirement standard; and
- explore options to grow your super.
To use Future Planner, become a HESTA member and then log in to your online account.
For illustrative purposes only.
how we'll help you
With an app, online tools, and expert advice to plan your future. Join HESTA and you'll have the help you need at every step to make the most of your super and face the future with confidence.
Choose investments
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How to invest in your future >
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* SuperRatings 10 Year Platinum Performance 2014-2024 (MySuper)