Skip to Navigation Skip to Content
close menu
MTAA Super
  • Super for you
  • Super for your business
  • About us
  • Contact us
  • Search
  • Login
  • Join
close menu
  • Super for you
    • Super with us
    • Manage your super
    • Boost your super
    • Retire with us
    • Tools + resources
    • Education + advice
  • Super for your business
    • Super with us
    • Obligations + payments
    • Tools + resources
    • Education + advice
  • About us
    • Who we are
    • How we operate
    • News + press releases
  • Contact us
MTAA Super
  • Super with us
    Overview
    Super with us

    We can help you reach your financial goals - so you get to do the things you want to do retirement.

    More on super with us
    • How super works
    • Super investment options
    • Your insurance options
    • Fees and costs
    Become a member
    main Choose MTAA Super
    Super resources

    • Calculators 
    • What your membership offers you
    • Member PDS
    See all tools + resources
  • Manage your super
    Overview
    Manage your super

    Learn how to make the most of your super, register for online access, consolidate your super accounts and manage your investment and insurance options.

    More on Manage your super
    Taking control of your super
    • Register for online access
    • Get your Digital Member Card
    • Take us to your new job
    • Temporary Residents
    Managing your investment
    • Investment options + Performance
    • Change investment options
    • How we invest
    • Environmental Social Governance risks
    • My AutoSuper (Balanced) Product Dashboard
    Managing your insurance
    • Your insurance options
    • Change insurance cover
    • Choose your beneficiaries
    • Making a claim
    • Work scales
     Super resources
    • Rollover form
    • Your Insurance with MTAA Super fact sheet
    • Investment Guide
    See all tools + resources
  • Boost your super
    Overview
    Boost your super

    Adding extra to your super can help power up your financial future in retirement.

    More on Boost your super
    • Salary sacrifice
    • Personal after-tax contributions
    • Government co-contributions
    • Spouse contributions
    • Personal tax deductible contributions
    Super resources
    • Voluntary contribution form
    • Super co-contribution fact sheet
    • Super Guide
    • Member SuperSite login
    See all tools + resources
  • Retire with us
    Overview
    Retire with us

    As a pension member, enjoy the security of being with one of Australia’s largest super funds.

    More on retire with us
    • Pension investments + Performance
    • Why choose MTAA Super
    • Get financial advice
    • MTAA Super Pension
    • Fees and costs
    Become a pension member
    • Planning for your retirement
    • Transition to Retirement
    • Become a pension member
    Super resources
    • Rollover form
    • Transition to Retirement fact sheet
    • Pension handbook
    See all tools + resources
  • Tools + resources
    Overview
    Tools and resources

    Learn about how to manage your super and make a difference to your future.

    More on Tools + resources
    • Guides and Handbooks
    • Forms
    • Fact Sheets
    • Calculators
    • ABN and USI
    Popular Tools + resources
    • Become a member form
    • What your membership offers you fact sheet
    • Member PDS
    See all tools + resources
  • Education + advice
    Overview
    Education and Advice

    Planning can make a difference to your financial future. No matter what your goals are, we’re here to help you along the way.

    More on Education + advice
    • FAQs Investment fees and costs
    • FAQs for Members
    • Get financial advice
    • Attend an Education Workshop
    • Momentum Magazine
    • Education Videos
  • Super with us
    Overview
    Super with us

    We’ll help you manage your super obligations

    More on super with us
    • Benefits of MTAA Super
    • Meet our Field Force
    • Meet your local Financial Planner
    Become an employer
    main We'll work with you to help your employees
    Employer resources
    • Become an Employer form
    • Understanding Unit Pricing fact sheet
    • Employer Handbook
    See all tools + resources
  • Obligations + payments
    Overview
    Obligations + payments

    We offer simple, flexible super payment solutions to meet your super obligations.

    More on obligations + payments
    • Make SG payments
    • Payments options
    • Clearing House
    • Make MTAA Super your default fund
    Employer resources
    • Financial Services Guide
    • Clearing House fact sheet
    • Employer Handbook
    See all tools + resources
  • Tools + resources
    Overview
    Tools + resources

    We provide you with all the information you need to manage your super obligations.

    More in tools + resources
    • Guides and handbooks
    • Forms
    • Fact sheets
    Employer resources
    • Become an Employer form
    • Clearing House fact sheet
    • Employer Handbook
    See all tools + resources
  • Education + advice
    Overview
    Education and Advice

    We provide you with the information you need to stay on top of super.

    More on Education + advice 
    • Attend an Employer Workshop
    • Employer FAQs
    • Momentum Magazine
    Education + advice
    • Standard Choice form
    • Clearing House fact sheet
    • Employer Handbook
    See all education + advice
  • Who we are
    Overview
    Who we are

    As an industry fund we place our members at the centre of everything we do.

    More on who we are
    • Meet our Board
    • Director attendance at Board Meetings
    • Board committees
    • Board appointments
    • Meet our Executive Team
    Annual Reports + Financial Statements
    main Annual Reports and Financial Statements
    Super resources
    • Member PDS
    • What your membership offers you
    Tools and resources
  • How we operate
    Overview
    How we operate

    How we operate, who our service providers are and how we manage conflicts of interest and duty.

    More on how we operate
    • How we operate
    • Our service providers
    • Managing conflicts of interest and duty
    • Supporting our community
    • Positions vacant
    Annual Reports + Financial Statements
    main Annual Reports and Financial Statements
    Super resources
    • Member PDS
    • Super and Retirement Calculators
    Tools and resources
  • News + press releases
    Overview
    News + Updates

    The latest news about MTAA Super, including significant events or material changes.

    More on news + updates
    • News + press releases
    • Significant Event Notices
    • Momentum Magazine
    • Federal Budget Update 2019
    • Celebrating 30 years
    Annual Reports + Financial Statements
    main Annual Reports and Financial Statements
    Super resources
    • Member PDS
    • Rollover form
    Tools and resources
  • Login
  • Join
  1. About us /
  2. News and Updates /
  3. Back /
  4. Connect with your super at every age

Connect with your super at every age

 

We've put together our top tips to make it easier for you to connect with your super. While most of these tips apply at any age, by taking at least some action each decade, you'll help keep your retirement savings on track.

 

20's

1. Take your super with you when you change jobs
It pays to keep your super in one place. Not only is it easier to keep track of your money, but you’re also likely to save by paying just one set of fees.

It’s easy to take MTAA Super with you when you change jobs. Just download your Digital Member Card and keep your MTAA Super
account details handy in the Passbook of your iPhone device or the Passwallet of your Android device.

When you change jobs, give your new employer your MTAA Super member number and the Fund details from your Digital Member Card. Click here to download your Digital Member Card.

2. Check your employer payments
For most people, your employer needs to contribute 9.5% of your wage into super on your behalf. That’s your money and it’s worth checking to make sure you’re getting what you’re entitled to.

You can check that your employer is paying the right amount into your super account by logging in to your account via Member SuperSite.

3. Read your Annual Statement
When you get an email notification that your MTAA Super Annual Statement is available, it's worth taking the time to login to your account via Member SuperSite and check it out. Your Annual Statement provides key information about your super, including your account balance, details of your investments, fees and costs, and information about insurance (if any).

 

30's

1. Find out how much insurance cover you have
Most members get insurance automatically when they join MTAA Super. Make sure you know what type of cover you have, how much you’re covered for and what it costs you each month. You can check your insurance cover by logging in to your account via MemberSuperSite here.

2. Get advice about your investment options
Super is a very long-term investment and you’re looking at a 30–35 year investment horizon. Now’s the time to get advice on which investment option or mix of options your super is invested in.

To speak with someone over the phone or to get face-to-face advice, call us on 1300 362 415 or send an email to and we’ll get in touch.

3. Make spouse contributions
If your spouse or partner is earning less than $37,000 per year, you can put money into their super and get a tax benefit. For any amount you add into their super, up to a maximum of $3,000 per year, you'll get an 18% tax offset.

To find out more about making spouse contributions click here or call us on 1300 362 415.

 

40's

1. Put extra money into super
If you haven’t been doing this already, now’s the time to add extra into your super. You can make regular payments from your before tax salary of up to $25,000 per year (including your employer contributions).

To find out how extra contributions could help boost your retirement outcome, try MoneySmart’s Calculator. 

2. Nominate your beneficiary/ies
To make sure your super ends up in the right hands if something were to happen to you, you can either make a non-binding or binding beneficiary nomination. It's best to keep your nomination up to date as your circumstances and wishes are likely to change over time.

To find out more about making a death benefit nomination for your super, click here or call us on 1300 362 415. 

3. Check you have enough insurance cover
With a mortgage, school fees and other responsibilities, this can be the time when you have the most financial obligations to meet. 

 

50's

1. Check your retirement savings progress
You’re on the home stretch now and you’ll want to start keeping a close eye on how your super is tracking. You can check your super balance and investment performance at any time by logging in to your account via Member SuperSite or call us on 1300 362 415.

To get an estimate of your super balance when you retire, try this Super and Retirement Calculator.

2. Make after-tax contributions
Got a bonus from work or received an inheritance? You can put the money into your super as an after-tax contribution, which means it won’t be taxed on the way in to your account. You can put in up to $100,000 per year or $300,000 over a three-year period.

You can make after-tax contributions via BPAY or EFT. For payment details, login to your account via Member SuperSite.

3. Maintain your income while you reduce your hours
If you’re over 55, a Transition to Retirement strategy may help you save on tax and maintain your income while you reduce your working hours.

To find out how it could work for you, try this online calculator or call us on 1300 362 415.”

 

60's and beyond

1. Get retirement advice
Get your ducks in a row by speaking with a qualified financial adviser. You can discuss any Government entitlements, like the Age Pension, and work out how to structure any assets and investments outside of super to help maximise your entitlements. To get advice, call us on 1300 362 415 or send an email to  and we’ll get in touch.

2. Consider adding the proceeds of your house sale into super
If you’re over 65 and sell your place of residence after 1 July 2018, you may be able to contribute some of the proceeds to your super.

Check out the article on downsize your home and upsize your super. 

3. Set up a pension account
When you retire, a pension account can provide you with a regular income to help replace your salary. By keeping your money invested, you can enjoy the benefit of tax-free earnings on pension investments. You can also choose a pension payment frequency that works for you.

To find out more about our pension account options, click here or call us on 1300 362 415.

It's now easier than ever to set up a new pension account. Instead of providing certified copies of your ID documents, we can verify your identity online using details from your driver's licence, passport or Medicare card. 

 

Need Help? Click here to contact us today
  • Facebook
  • LinkedIn
  • Youtube
SuperRatings does not issue, sell, guarantee or underwrite this product. Visit superratings.com.au for details of its ratings criteria.
  • icon
  • icon
  • icon
  • © 2020 MTAA Super
  • Privacy Policy
  • Complaints Policy
  • Whistleblower Policy
  • Financial Services Guide
  • Joint Financial Services Guide
  • General Advice Warning

We use cookies to improve your browsing experience. By selecting ‘OK’ and continuing to use our website, you consent to the use of cookies in accordance with our Cookie Policy.

Cookie Policy OK