your super, your way

Super is savings for your retirement. And how you choose to invest and grow those savings is up to you.


 

new to super?


Watch our interactive video to find out what you need to know about super with David Logan, Member Education Manager at HESTA.
 

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.

 

 

 


manage your super

 

 

Contribute to your super

Contributing extra to your super can help you live a more comfortable future, and may offer tax savings.

Contribute to your super 

Combine your super

Multiple accounts can mean multiple fees and costs. We make it easy for you to combine them all.

Combine your super 

Changing jobs

You don't have to change funds. We've cut through the paperwork, so staying with HESTA is simple.

Stay with HESTA 

Fees and costs

We're an industry super fund. That means we work only for our members. We offer competitive fees and costs — that way, more money stays working for the future.

Fees and costs 

Accessing your super

Super is your savings for your future, so there are some rules around when you can access it. Generally you need to wait until retirement, but you can access it sooner in limited circumstances.

Accessing your super 

Nominating beneficiaries

It's not the happiest subject - but it's super important... who will get your super when you die? Learn more about nominating beneficiaries.

Nominate your beneficiaries 

Tax and super

Find out everything you need to know about how super is taxed.

Tax and super 

First Home Super Saver Scheme

The First Home Super Saver Scheme lets you make extra contributions into super, using super's lower tax rates to help save for a first home.

First Home Super Saver Scheme 

Forms and resources

Find all the forms and resources related to your super.

Forms and resources 

Lost super

If you've ever started a new job, moved house, or changed your contact details, you might have left some of your super behind.

Find your super 

Divorce, separation and your super

It's important to understand how your super or income stream may be treated when dividing property and finances and what steps you can take.

Split your super 

Cyber security

Super is one of your biggest investments, making it a target for criminals. That’s why we’re working hard to keep your super safe from cybercrime.

Protecting your super 

 

 

Check in on your super

It could be your biggest asset one day. Your online account lets you check your super balance, keep your account up to date and much more, 24/7.