How to find your lost super

Nick McKenna • June 11, 2025
Woman with curly dark hair gazes thoughtfully out a window in a building, wearing a light pink top.

Imagine finding thousands in super that you’ve lost track of. Here’s how you can check if you have any lost or unclaimed super.

There are over seven million lost and Australian Taxation Office (ATO) super accounts with a total value of $17.8 billion1 – a share of this could be yours. Don’t miss out on super you’ve earned! It’s easy to lose track of your super when you move or change jobs. However, it’s easy to find it and takes less than 10 minutes. Check with the ATO within myGov. This will allow you to see details of all your super accounts, including any you’ve lost or forgotten about and find any ATO held super – this is held on your behalf when your super fund, your employer or the government can’t find an account to deposit your super into. If you’ve recently opened a new super account, it may take up to six months to appear on MyGov. You can also find lost super using a paper form. See searching for lost super on the ATO website.

Combining your lost super accounts

There are many benefits to combining all your lost super and money with other super funds into one account.

Simpler fees:  having your super in one account means only one set of fees.

Easier to manage:  one place for contributions, paperwork and investing your super.

Avoid extra insurance costs:  only one set of premiums if you have insurance with multiple funds.

If you are considering combining your super accounts, weigh up the benefits and features of each of super fund and make sure you understand any benefits that you have which may be lost before you roll over any monies. Don't forget your insurance. One or more of your funds may include insurance. Any insurance you have will be lost if you close your account. So, before you roll over any monies, make sure you have the appropriate levels of insurance cover. 

How to prevent any lost super in the future

When you start a new job, tell your employer your super details so you know where your super is going. If you don’t let them know, they have to ask the ATO where your stapled super fund is. Make sure you update your contact details with your super fund whenever you move house or change your phone number/email. And if you combine all your super into one account, you only have one account to keep track of.

Source: MLC

Man and woman laughing while dancing in a kitchen. The woman is leaning back, held by the man. Bright, natural light.

Finance 101: understanding interest rates and why they matter

By Nick McKenna • June 11, 2025
Whether you're planning to buy your dream home, save for a brighter future or simply manage your daily finances, interest rates play a key role. Here’s why they matter when planning your financial future.
Woman with dark hair in a yellow sweater sits by a window, holding a phone, looking at the camera.

Planning for retirement? Start with these 5 steps

By Nick McKenna • June 11, 2025
Retirement planning can be daunting, but it doesn’t have to be. We’ve put together these 5 retirement planning steps to help you get started.
Woman and child working together at a pottery wheel in a bright workshop. The child is helping the woman shape the clay.

Why you need insurance, what are your options?

By Nick McKenna • June 11, 2025
Your health and wellbeing is the most important asset you have, so it pays to put in the hard yards and get your head around the tricky topic of insurance.
Person in a red jacket using a calculator with a notepad, coins, and a tablet on the desk, possibly budgeting.

Eight quick wins for managing debt

By Nick McKenna • June 11, 2025
Managing debt can often feel overwhelming but there are several strategies you can implement to make the process more manageable and accelerate your journey to becoming debt free.
Woman with red hair making a peace sign, blowing a kiss. Against a red wall.

Score a $500 super bonus: the government super co-contribution explained

By Nick McKenna • June 11, 2025
Discover how making after-tax contributions could qualify you for a government co-contribution of up to $500.
People at a table, illuminated by string lights, are enjoying an outdoor dinner party at night.

Three ways to plan for your 30s

By Nick McKenna • June 11, 2025
Turning 30 is often accompanied by a degree of increased financial responsibility. Here’s how to stay ahead.
Smiling man in blue shirt, possibly a farmer, standing in front of a banana display.

Can I go back to work if I’ve already accessed my super?

By Nick McKenna • June 11, 2025
Can I go back to work if I’ve already accessed my super? Generally, you can, but there may be other things to consider. Learn more.
Older couple with arms around each other, sitting on a bench in a park. They are looking at each other lovingly.

Spouse super contributions – what are the benefits?

By Nicole McKinnon • June 4, 2025
If your partner is earning a low income, working part-time, or currently unemployed, boosting their super could be a smart financial move for both of you.
Two people point at a tablet displaying stock charts while sitting at a table with a notebook. Both wear watches.

Navigating market volatility

By Nicole McKinnon • June 4, 2025
Financial markets have been erratic lately, understandably causing some concern for those of us with super and investments. While dips and major market events are a common feature of investing, markets generally trend upwards over time.
A person using a laptop with a 2FA security interface overlayed. A fingerprint scan and shield icon are visible.

Protect yourself: Multi-factor authentication

By Nicole McKinnon • June 4, 2025
Multi-factor authentication (MFA) is when you use two or more different types of actions to verify your identity and you may already be using MFA. For example, when you receive an authentication code by SMS text message after entering your password to log into an online account. MFA is one of the best ways to protect against someone breaking into your account. It makes it harder for cybercriminals to take over your account, by adding extra layers of protection.