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When to check your super | An AustralianSuper Editorial

March 5, 2024

AustralianSuper looks at why it’s important to be checking your super

While you might not be looking to access your super now, it’s still important to be regularly checking your account.

Whether retirement is still years away or just around the corner, understanding what’s happening with your super can help you to better prepare for your retirement journey.

A good place to start is to make sure your super is being paid into your account, and that you’re receiving the correct amount.

Since 1 July 2023, the super guarantee (SG) – the minimum percentage of super that your employer is required by law to pay – increased to 11%.

The SG is also scheduled to keep increasing by 0.5% each year until it hits 12% on 1 July 2025. These small increases can make a big difference in the long run.

Think about your retirement goals
Another reason to be checking your super is to look at how your retirement goals are tracking. If you see your retirement years filled with travel, dining out, home renovations or a new car then you’ll need to know how much money you have once you’ve stopped working,  AustralianSuper’s super projection calculator can help guide you on how much you may need to retire.

Understand market ups and downs
Over time it’s likely there’ll be short-term ups and downs with your super balance due to changing economic conditions. Markets experienced downturns during the global financial crisis (GFC) and more recently with COVID-19.

However, the important thing to remember is that historically investment returns have recovered, leading to increasing super balances over the long term.

Learn more about checking your super here!



Investment returns aren’t guaranteed. Past performance is not a reliable indicator of future returns.

This information may be general financial advice which doesn’t take into account your personal objectives, financial situation or needs. Before making a decision about AustralianSuper, you should think about your financial requirements and refer to the relevant Product Disclosure Statement available at or by calling 1300 300 273. A Target Market Determination (TMD) is a document that outlines the target market a product has been designed for. Find the TMDs at

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