make super far simpler with HESTA
The money in your super is the savings you have tucked away for retirement. Super can create the retirement you desire and deserve. Here's how it works and how to make it much easier by being with HESTA.
what is superannuation?
Your employer pays super
By law, your employer pays super guarantee (SG) contributions* into your super account for your retirement. This is currently of your ordinary time earnings. This builds up your super over the years.
You can put money in too
To boost your retirement savings, you can choose to make contributions to your super as well. This could make a big difference to how much money you'll have when you retire.
Super can include insurance cover
To suit your needs and preferences, your super may have death, disability, and income protection cover. It's important to understand any insurance you have, need and want.
Your super is always invested
To help grow your super over the long term, this money is invested, and you can choose how. You can keep it invested, even after you retire, so it's worth understanding your options.
* Eligibility for SG may vary, such as for employees under 18 working fewer than 30 hours per week.
watch the video: I'm new to super
David Logan, HESTA Member Education Manager
You might have heard people talk about how important superannuation is for your future, but what exactly is it?
Here's what you need to know.
Superannuation or super is designed to help you save and invest money for your retirement.
While that might be a long time away for some, super works best when you add to it regularly throughout your working life.
So how does it work?
Your employer contributes a minimum amount to your super account. That's called the superannuation guarantee.
On top of this, you can make your own extra contributions.
Even a little bit extra can really add up over time.
You can choose how you want your money invested.
HESTA invests the money on your behalf.
Any earnings on your investments are applied to your super account.
Super can be one of the biggest investments you will make.
It's your money and taking an interest in it is one of the best things you can do to prepare for your financial future.
And the earlier you start boosting your super, the better your future will look.
A great thing you can do straight away is to register for an online account.
This is the easiest way to keep on top of your super, make contributions, and keep your contact information up to date.
We are a top-performing industry super fund in Australia and we invest in and for people who make our world better.
how to get your super in shape
Your super can work better for you when it’s all together. Plus, you could be paying fewer fees.
Could your super savings get up to a $500 boost from the government? Find out if you're eligible for a co-contribution.
See our forms and brochures, including our Letter of Compliance, beneficiary nomination form, and more.
Ready. Set. Plan. Our simple online tools are a good starting point for getting your super and finances sorted.
Need more information on HESTA products and how they work? Take a look at our Product Disclosure Statements.
The tax you pay on super is generally lower than other types of investments. It’s one of the main perks of investing through super.
Extra money you contribute to your super today can add up to a whole lot more in retirement.
Growing your family is an exciting time, but there’s also lots to think about when it comes to your financial future.
ready to join?
expert help to guide you
Advice and super health checks
As a member, you can access help from dedicated experts. Join, then book an information session, or a super health check to get your super into good shape.
Keep on top of your super
To talk through anything about super, just get in touch. We'll make it easy. After you've joined, use the app to check your balance, top up, and more.
how we'll help you
Choose investments
Did you know your super is invested? What you should know to help you choose.
How to invest in your future >
When life's changing
Support through job and family changes to help you sort your super and insurance, understand investments, and more.
New job, simpler super
Want super that's easy to set up for your new job and sets you up for retirement?
Retire with confidence
Worried about having enough in retirement? Turn concern into confidence.
join a top-performing super fund*
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