Five Benefits of Combining Your Super

If you have ever changed your job, your name or your address, there is a good chance that you have more than one super account.

For people who have more than one super account, this could mean lost savings on account fees, unnecessary complexity in personal finances and a lack of clarity in what they have saved for retirement.

We’ve put together the following five key benefits of combining your super into one account.


 1. Save more money for your retirement

Having more than one super account means that you may be paying unnecessary fees on multiple accounts.

Combining your super into one account could help you pay less fees, which means more money in your super account for retirement. Watch this video from the Australian Taxation Office (ATO) to learn more.


2. Simplify your finances

Having just one super account means less paperwork and emails as you won’t be getting similar correspondence from multiple super funds.

Combining your super into one account could also lower the risk that any of your super accounts becoming inactive and sent to the ATO, as you only have one account to manage.


3. Manage your investment strategy more effectively

Having multiple accounts can make the process of managing your investment strategy unnecessarily complex. Typically, people may look to higher risk investment portfolios early in their career, before selecting a lower risk strategy as they mature and approach retirement.

Combining your super into one account means you can easily manage and optimise your investment strategy for your specific circumstances based on your season of life.


4. Keep track your super account balance and transactions more easily

It’s so much easier to track the growth of your super savings when all your employer and personal contributions go into one super fund. Having numerous super accounts can make it harder to keep track of your retirement savings.

Combining your super into one account may give you a clearer idea of what you have saved for your retirement and provide you with peace of mind.


5. Invest more into things you believe in

There are many factors that you may consider in deciding which account to combine your super into. One of the reasons you may wish to consider combining your super into Christian Super is how we invest in line with biblical values

Our unique ethical investment strategy based on biblical values ensures that we avoid investing in certain industries which we consider harmful (e.g., tobacco, gambling, and weapons), or because of particular behaviours or incidents that we consider to be significant ethical violations (e.g., human rights abuses, environmental destruction).

You can read more about how we invest your super here.


Things to consider before you combine your super

Check your insurance cover

Before you choose to leave your other super fund, you should check to see what insurances you have through that fund. This may include Life, Total and Permanent Disability (TPD), and/or Income Protection insurance.

If you wish to combine your other super into your Christian Super account, you can contact us to check if you have access to the same insurance cover before you close your other super accounts. You may even be able to transfer the cover from your other super fund to us!

Check your employer contributions

Before you choose to leave your other super fund, you may want to check that your employer contributions are being directed to your Christian Super account.

If you would like your employer to start contributing to your Christian Super account, simply complete our Choice of Fund form and provide it to your employer.

How to combine your super

It’s never been easier to combine your super! Click here to find out how.



If you have any questions or require assistance, please contact our Member Care Team here.


Disclaimer: The content of this article includes advice that is general in nature and does not consider your personal situation. Christian Super encourages all people considering their options in retirement planning to seek out qualified professionals who can provide specific personal advice.

The information on this page was last updated on 3rd of March 2022