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.
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?
Other ways to combine your super
Over the phone
Through the ATO
Pen and paper
HESTA, Locked Bag 5136
Parramatta NSW 2124
- 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.
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 return of 8.87% p.a. over 10 years^.
Profit to members
We’re an industry super fund. That means we work purely for you and profits go to members. We keep your fees down and our costs low.
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.
*Source: ato.gov.au
^ Annualised return as at 30 June 2021. 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.