combine your super

Your super is your money. Just like any savings account, the more that’s in it – the more it can earn. That’s why it’s important to keep all your super together, in one happy place.

combine online - it's easy


Find other super you might have and easily combine into your HESTA account. Just log in to your account and go to the ‘Combine’ tab. It will only take a few minutes. Make sure you have your identification details handy.

 

Combine your super now

 

 


 

 

 

 

what our members think

“It was pretty simple to consolidate my other super by clicking a few buttons. I like the fact you don’t have to fill out lots of paperwork.”

Zee, HESTA member

 

 

 

 

don’t pay multiple fees

 


Every day you keep old super accounts open can cost you money in fees. 

Over 64% of Australians have only one super account, according to the ATO*. That means they’re paying just one set of fees.

Why not join them?

 

Combine your super now

 



 

Other ways to combine your super

 

Over the phone

Call us on 1800 813 327 and we’ll help you make it happen in a few minutes. We're available weekdays between 8am-8pm AET.
 

Call us now Learn more

 

Through the ATO

Use your MyGov account to combine any Australian Taxation Office (ATO) held money you have into your HESTA account.
 

Log into MyGov Learn more

 

Pen and paper

Download the Combining your super form (pdf), fill it in and send it to:
HESTA, Locked Bag 5136
Parramatta NSW 2124
 

Download the form Learn more

 

 

 

 

 

Before you combine your super
 
When you combine your super into one account, your entitlements with your other fund/s may stop.
 
Some things you need to consider
 
  • Review any other benefits, such as insurance cover that you have through your other funds. You may be able to transfer your insurance cover over to HESTA. Download the Insurance transfer form (pdf) to check your eligibility or to apply.
  • Think about getting financial advice to help you compare the benefits and costs of funds, and what impact combining your super will have on your super balance.
 

 

 

 

compare the difference

See the difference combining your super into one fund could make.

 

Sarah


Sarah has multiple accounts with different super funds and pays three sets of fees.

  Balance Yearly fees
Super account 1 $50,000 $732
Super account 2 $50,000 $515
Super account 3 $50,000 $548
Total $150,000 $1,795

Because she hasn’t combined her accounts, Sarah is paying $21,660 in extra fees over her lifetime.#

 

Julie


Julie has combined her super into one account and pays only one set of fees.

  Balance Yearly fees
Super account 1 $150,000 $1,415
Total $150,000 $1,415

By combining her super accounts with one super fund, Julie has $21,660 more in her super balance than Sarah over time.#

 

 

# Estimate assumes Sarah and Julie are aged 28 and start off with an account balance of $150,000. Lifetime age is based on a life expectancy of 85 years (expected age at death in years at age 28). Ref Table S6.1 Australian Institute of Health and Welfare. Calculations do not take into account inflation or additional contributions which could increase the fees even more.

 

 

 

Stay with HESTA, wherever you go


If your current employer isn’t already making contributions into your HESTA account and you’d like them to, you just need to let them know.

 Simply complete the Choice of super fund request form (pdf) and give it to your new employer.

Download form

 

 

 

 

you're with a top super fund

 

Strong long-term returns

You’re with a top performer. Our Balanced Growth investment option has delivered an average annualised return of 8.01% over 10 years^.

 

Profit to members

We’re an industry super fund. That means we work for you – not shareholders. We keep your fees down and our costs low, and we don’t pay commissions.

 

Investing in today, and tomorrow

We invest in the future of our industry, your community, and our planet. From health and aged care infrastructure to clean energy and affordable housing, your super will shape a better tomorrow.

 

Expert help

You can get super help and advice on your terms, at no extra cost – it’s all part of being with HESTA. Access it whenever and wherever you like: online, over the phone, through an information session or face-to-face.

 

Insurance for you and yours

You’ll have access to affordable cover that protects you and your family. From income protection to death insurance, we’ve got you covered.

 

 

 

 

Need help combining your super?

Reach out to our team. We'd love to hear from you.

*Source: ato.gov.au

^ Annualised return as at 30 June 2020. Visit Super performance for up-to-date performance information. Past performance is not a reliable indicator of future performance. The returns shown are net of investment fees, indirect costs and taxes.