Skip to Content

How to consolidate your super

It's easy to find and simpler together.

Benefits of consolidating your super

Fewer fees

Having your super in one account could mean less fees.

Simplify your super

Reduce paperwork with one statement.

Easier to manage

Keep track of your super online or with the MLC app.

Bring your super together in two ways

myGov: I need help finding my other super

  1. Login or create an account on myGov
  2. Link your myGov account to the ATO
  3. Select 'Super' and then 'Manage'
  4. Select 'Transfer super' (this option will only appear if you have more than one super account)
     

Visit myGov

MLC Online: I know my other super details

If you already know where your other super is, you can combine it by logging into your MLC super account.

You'll need the name and member number of your other super funds.

If you don't have online access you can register here.
 

Log in now

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 funds.
  • 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 cover1 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 fund2.

1 Appropriate insurance can include level and types of cover as well as policy terms.
2 For more information about eligibility and/or to obtain this form please visit www.ato.gov.au

Important information

The information on this web page is of a general nature only and has been prepared by the Trustee 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. You should not rely on this information to determine your personal tax obligations, please consult a registered tax agent for this purpose.