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There’s around $16 billion in lost and unclaimed super across Australia.1

Searching and bringing your super into one account:

  • Means you’re not paying unnecessary additional fees and multiple insurance premiums
  • Makes it easier to keep track of your super balance
  • Could boost your super balance in the long term

Bring your super together in three easy steps

1. Log in

Log in to your account.

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2. Search for your super

Verify your identify and we can search for your super.

 

3. Submit your accounts

Select the accounts you would like to bring together.

 

Things to consider before you consolidate your super

  • Know how MLC’s performance stacks up
    Find out how current events have shaped financial markets and how your super is performing.
  • Check your insurance
    If you have insurance with another super provider, you may be able to consolidate it with us. Make sure you consolidate your insurance before consolidating your super, and that you have appropriate insurance cover established in your chosen super fund. Once you consolidate your super, any insurance cover in your other super accounts will be cancelled. It’s also important to be aware of impacts this may have on the fees you pay, and tax on your super. If you’re unsure, seek financial advice.

  • Contributions to super
    Check where any contributions are being paid for you so that they’re being directed to an account you want to keep open.

    If you were intending to claim a tax deduction for personal contributions made to your other fund, you will need to ensure your ‘Notice of intent to claim a deduction for personal contributions’ is made and acknowledged by that fund before you combine your super.
  • Tax implications
    Check the tax implications and see if your tax and preservation components will be affected. Speak to a financial adviser for more information.

Need more help?

Getting help at no additional cost is all part of being with MLC. Book a time with one of our Financial Coaches. Book now

Start bringing your super together today

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How to combine your super

We make it easy to bring all your super accounts together, online. This tutorial shows you how.

Important information

1Australian Tax Office, 27 February 2023, Super data: lost, unclaimed, multiple accounts and consolidations, accessed 8 March 2023.

This information has been prepared by NULIS Nominees Australia Limited ('NULIS') ABN 80 008 515 633 AFSL 236465. The information on this web page is of a general nature only and has been prepared without taking into account your objectives, financial circumstances or needs. Before acting on any of this information, you should consider whether it is appropriate to your objectives, financial circumstances and needs, and seek appropriate professional advice. It is recommended that you consider the relevant Product Disclosure Statements (PDS) and Target Market Determinations (TMD) before you make any decisions about your superannuation. A TMD is available free of charge at mlc.com.au or by calling 132 652. You should not rely on this information to determine your personal tax obligations, please consult a registered tax agent for this purpose.

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MLC Limited uses the MLC brand under licence. MLC Limited is part of the Nippon Life Insurance Group and is not part of the Insignia Financial Group of Companies.