Products & services

What is choice of fund?


The Super Choice legislation that became effective in July 2005 made two important changes to superannuation law:

  • Most employees now have the right to choose which fund their superannuation guarantee contributions will be paid into.
  • Most employers are required to nominate a 'default fund' for super contributions where their employees do not make a choice.

In brief

  • Choice of fund means you can choose a super fund to suit your needs.
  • It applies to the compulsory 9.5% contribution your employer makes on your behalf.
  • Your employer will let you know if you're eligible for Choice of fund.
  • You don't have to make a choice - you can stay in your current default Super.
  • If you'd like to choose a fund, consider asking a qualified financial adviser for financial advice first.

Financial advice

  • The Trustee of the Fund provides members with access to an accredited panel of financial advisers for general advice, at no cost to you*.

Any queries?

If you have any queries or you're not sure if Choice of fund applies to you, ask your employer or call a Super Member Services Consultant on 1300 55 7586 .

* Telephone advice and referral services provided by National Australia Bank Limited (NAB) ABN 12 004 044 937 AFSL 230686


The Superannuation Legislation Amendment (Choice of Superannuation Funds) Act 2004 (Choice of Fund) lets many working Australians choose the fund their employers' contributions are paid into.

While Choice of fund may not apply to everyone, the Government wants us to take an active interest in our super as it's generally considered that many Australians won't have enough savings to live comfortably in retirement

Find a form...

To choose your preferred super fund, consolidate your super, or to make a contribution, go to the Forms and Publications page and download the Consolidation form, Choice of fund form and the Contribution form.

Next steps