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Building your super balance

Smart ways to boost your super savings

Consolidate now  to bring all your super into one account and streamline your retirement savings.


We're committed to helping Australians bridge their super gap to enjoy a better retirement.

One way we're doing this is by making it easier for our customers to find and consolidate their super into one account.

Do you have lost super?

Like many Australians, you may have lost track of your super or have multiple super accounts, which could mean you're paying multiple sets of account keeping fees and doing extra paperwork. In fact, six million Australians have lost super accounts worth over $14 billion dollars1 - a share of this could be yours. Consolidating your super accounts may help you improve your super balance and give you more visibility over your super.

Here are some of the reasons you may have lost track of your super:

  • You've changed your name
  • You've moved house and changed your address
  • You've changed employers and your new employer has set up a default super fund for you
  • You've done part time or casual work

Before you consolidate your super there are a few things you should consider


Weigh up the benefits
and features of your other super funds against your chosen MLC super account.

Check the tax implications and see if your tax and preservation components will be impacted. Speak to your financial adviser for further information.

Compare the fees
of your fund(s), and check for exit
or termination fees.

Don’t forget your insurance and make sure that your chosen MLC super account will provide you with the appropriate cover to replace any cancellation of insurance cover2 that will occur by consolidating your account(s). If you suffer from a pre-existing medical condition, consider whether you will be eligible for the same level of cover if you cancel your existing insurance policy.

If you intend to claim a tax deduction
for certain personal contributions made into your other fund, ensure your ‘Notice of intent to claim a deduction for personal contributions’ is made and is acknowledged by that fund3.

Three great reasons to consolidate your super funds

  • Reduce your paperwork and admin time
  • Keep better track of your super by having it all in one place
  • Pay only one set of fees

Next steps if you decide to consolidate your super into your MLC account

If you know your other fund details, complete the form using the link below. Otherwise, log online to your MLC online account using your customer number and click ‘Find my super’ to give us your consent to find all your super. If you need any assistance give us a call on 132 652 Monday to Friday (AEST).


Helpful hint

Don't forget that you can take your super with you when you change your job and always keep your details up to date. If you're currently in the process of moving jobs and want to remain with MLC, make sure you fill in the Fund Nomination Form and give it to your employer so that they can keep making contributions into your MLC super account.

Your super is one of your biggest investments, so it's always good to keep an eye on it.

1. As at 30 June 2017, ATO super accounts data over -
2. Appropriate insurance can include level and types of cover as well as premiums and other policy terms.
3. For more information about eligibility and/or to obtain this form please visit


We can help you consolidate your super

If you decide to consolidate your super and you already know your other fund details, you can bring all your super into one account and streamline your retirement savings today.

Consolidate now