How to Give Your Super a Boost (Without Falling Asleep Midway)

Super doesn’t have to be super confusing.

Let’s face it — most Aussies know they have super, but not much else. What’s it doing? Who’s managing it? And is it actually growing?

Here’s the good news: you don’t need to become a finance nerd to take control. A few smart tweaks can help you boost your super balance and get your future self very thankful.

1. Know where your super actually is

No judgement — but yes, check.

You might have old accounts floating around from your first job. Head to MyGov and consolidate them to avoid duplicate fees and lost growth.

2. Check your fees

Some super funds charge more than a streaming bundle.

Review your fund’s admin and investment fees. Small savings here = big difference over decades.

3. Make small extra contributions

A few coffees a month = thousands later.

Even $20 a week in voluntary contributions can supercharge your balance over time. Bonus: you might get a tax benefit too.

4. Review your investment mix

Are you set to ‘safe’ when you’ve got decades left?

If retirement is still far away, consider a higher-growth option. You’ll ride some bumps, but your money works harder.

5. Use the free money (yes, really)

Heard of the government co-contribution?

If you’re a low-to-middle income earner and make after-tax contributions, the government may chip in too. Yep — free money.

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